{"id":11703,"date":"2023-07-17T18:13:08","date_gmt":"2023-07-17T15:13:08","guid":{"rendered":"https:\/\/www.millicozum.com\/mc\/ozel-yazilar\/sn-suleyman-ates-atesten-sakin\/"},"modified":"2023-10-18T02:36:43","modified_gmt":"2023-10-17T23:36:43","slug":"sn-suleyman-ates-atesten-sakin","status":"publish","type":"post","link":"https:\/\/www.millicozum.com\/mc\/ozel-yazilar\/sn-suleyman-ates-atesten-sakin\/","title":{"rendered":"SN. S\u00dcLEYMAN ATE\u015e, ATE\u015eTEN SAKIN! Banka Faizleri En Katmerli Zul\u00fcm ve S\u00f6m\u00fcr\u00fc Arac\u0131d\u0131r!"},"content":{"rendered":"

\u00a0<\/p>\n

SN. S\u00dcLEYMAN ATE\u015e, ATE\u015eTEN SAKIN!<\/span><\/strong><\/p>\n

Banka Faizleri En Katmerli Zul\u00fcm ve S\u00f6m\u00fcr\u00fc Arac\u0131d\u0131r!<\/span><\/strong><\/p>\n

\u00a0\u00a0\u00a0\u00a0 <\/span><\/strong><\/p>\n

El\u00e2z\u0131\u011f Yerel Televizyonu Kanal 23’te (12 Temmuz 2023) “Ayr\u0131nt\u0131” program\u0131na konuk olan <\/span><\/strong>Sn. S\u00fcleyman Ate\u015f<\/span><\/em><\/strong> bir soru \u00fczerine: <\/span><\/strong>“Hz. Peygamberimiz d\u00f6nemindeki R\u0130BA ile bug\u00fcnk\u00fc Banka faizinin ayn\u0131 olmad\u0131\u011f\u0131n\u0131, Kur’an’da R\u0130BA’n\u0131n yasakland\u0131\u011f\u0131n\u0131”<\/span><\/em><\/strong> s\u00f6yleyerek, dolayl\u0131 \u015fekilde bug\u00fcnk\u00fc faizci banka sistemini me\u015frula\u015ft\u0131r\u0131c\u0131 bir tav\u0131r tak\u0131nm\u0131\u015flard\u0131. Ayn\u0131 s\u00f6yle\u015fide <\/span><\/strong>“Hadislerin hangisinin sahih oldu\u011funu Allah bilir!?”<\/span><\/em><\/strong> diyerek kay\u0131tl\u0131 b\u00fct\u00fcn hadislerle ilgili kafalara \u015f\u00fcphe tohumlar\u0131 eken Sn. S\u00fcleyman Ate\u015f, “Bir aya\u011f\u0131 kabir \u00e7ukurunda iken h\u00e2l\u00e2 f\u0131trat\u0131n\u0131n gere\u011fi, toplumun itikad\u0131n\u0131 ifsat kas\u0131tl\u0131 f\u0131rsat\u00e7\u0131l\u0131k m\u0131 yapmaktayd\u0131?” sorular\u0131 akl\u0131m\u0131za tak\u0131lm\u0131\u015ft\u0131. Yakla\u015f\u0131k 35 sene \u00f6nce \u00e7\u0131kard\u0131\u011f\u0131 <\/span><\/strong>Y\u00fcce Kur’an’\u0131n \u00c7a\u011fda\u015f Tefsiri<\/span><\/em><\/strong> kitab\u0131nda, Nisa Suresi 24’\u00fcnc\u00fc ayetindeki: “\u0130stimta” (yararlanma) kelimesini “Belirli bir s\u00fcre, para kar\u015f\u0131l\u0131\u011f\u0131 bir kad\u0131nla cinsi m\u00fcnasebet ruhsat\u0131”<\/em> \u015feklinde yorumlay\u0131p, \u00fclkemizde ve \u00fcniversitelerimizde gen\u00e7ler aras\u0131nda bu sapk\u0131n ili\u015fkilerin “Dini fetva” perdesi alt\u0131nda yayg\u0131nla\u015fmas\u0131na yol a\u00e7m\u0131\u015ft\u0131. O d\u00f6nemde kendisine y\u00f6nelik bir tenkit yaz\u0131m\u0131zda, b\u00fct\u00fcn Ehl-i S\u00fcnnet ulemas\u0131n\u0131n “haram” sayd\u0131\u011f\u0131, sadece baz\u0131 \u015e\u0130A mensuplar\u0131n\u0131n caiz bulduklar\u0131 <\/span><\/strong>“Para kar\u015f\u0131l\u0131\u011f\u0131 ge\u00e7ici (mut’a) nik\u00e2h\u0131 konusunda Sn. S\u00fcleyman Ate\u015f; \u015fayet olsayd\u0131, dul bac\u0131lar\u0131 ve k\u0131zlar\u0131 i\u00e7in bu maksatla yap\u0131lacak tekliflere de a\u00e7\u0131k m\u0131d\u0131r? De\u011filse, hangi vicdanla M\u00fcsl\u00fcman halk\u0131m\u0131z\u0131 yozla\u015ft\u0131rmaya \u00e7al\u0131\u015fmaktad\u0131r?”<\/span><\/em><\/strong> diye sordu\u011fumuzda bize mahkeme a\u00e7m\u0131\u015ft\u0131…<\/span><\/strong><\/p>\n

Gelelim As\u0131l FA\u0130Z Konusuna:<\/span><\/strong><\/p>\n

Kur’an-\u0131 Kerim’de ve \u00f6zellikle Bakara Suresi 275’inci ayetinde yasaklanan ve toplumun ekonomik, sosyal ve siyasi dengeleri i\u00e7in b\u00fcy\u00fck tehlike say\u0131lan FA\u0130Z, bug\u00fcnk\u00fc Banka ve Kredi faizleridir.<\/span><\/strong><\/p>\n

“(Farkl\u0131 isimler ve sistemler i\u00e7erisinde ve \u00e7e\u015fitli \u015fekillerde) Faiz (riba) yiyenler (ve faiz ekonomisini y\u00fcr\u00fctenler; d\u00fcnyada asla ayakta duramayacak, onurlu ve huzurlu ya\u015fayamayacak, k\u0131yamet g\u00fcn\u00fc ise) ancak \u015feytan \u00e7arpm\u0131\u015f (sara n\u00f6betine yakalanm\u0131\u015f) olan\u0131n kalk\u0131\u015f\u0131 gibi, (Allah’\u0131n kahr\u0131na u\u011fram\u0131\u015f) olmaktan ba\u015fka (bir tarzda) kalkamayacaklard\u0131r. Bu, onlar\u0131n: “Al\u0131m-sat\u0131m da ancak faiz gibidir” demelerinden (faizi hel\u00e2l g\u00f6rmelerinden ve faize fetva \u00fcretmelerinden) dolay\u0131d\u0131r. Oysa Allah, (riskli ve zahmetli) al\u0131\u015fveri\u015fi hel\u00e2l, (emek s\u00f6m\u00fcr\u00fcc\u00fc ve kan emici) faizi ise haram k\u0131lm\u0131\u015ft\u0131r. B\u00f6yle her kime Rabbinden bir uyar\u0131 ve yasaklama gelip de (faize) bir son verirse, art\u0131k ge\u00e7mi\u015f (d\u00f6nemdeki uygulamalar\u0131 ve kazand\u0131klar\u0131) kendisine kal\u0131r (ve ba\u011f\u0131\u015flan\u0131r; bundan sonraki) i\u015fi(nin ba\u015far\u0131s\u0131 ve bereketi) de Allah’a aittir. (Devlet ona hel\u00e2l ve hay\u0131rl\u0131 kazan\u00e7 yollar\u0131 g\u00f6stermelidir.) Kim de (cahili sisteme) geri d\u00f6nerek (faizli muameleye devam ederse), art\u0131k onlar ate\u015fin halk\u0131d\u0131r, orada s\u00fcrekli kalacaklard\u0131r. [Not: Bu ayette “Elleziy ye’k\u00fcl\u00fc-r riba” (Faiz yiyen kimse) denmeyip; \u00e7o\u011ful olarak “Elleziyne ye’k\u00fclune-r riba” (Faiz yiyen kimseler) buyrulmas\u0131, yani, ismi mevsul\u00fcn, cemi m\u00fczekker salim kal\u0131b\u0131 ile getirilmi\u015f bulunmas\u0131; as\u0131l tehlikeli ve tahrip edici FA\u0130Z’in, ferdi riba muamelesinden ziyade, bug\u00fcnk\u00fc gibi bir sistem halinde ve resmi m\u00fcesseseler (banka \u015fubeleri) eliyle y\u00fcr\u00fct\u00fclen faiz cinsinin oldu\u011funa dikkat \u00e7ekmek ama\u00e7l\u0131d\u0131r.]”<\/span><\/em><\/strong><\/p>\n

“Allah, faizi (faizci sistemleri ve halka zulmeden h\u00fck\u00fcmetleri) yok edip (iflasa ve ink\u0131raza s\u00fcr\u00fckler) de, sadakalar\u0131 (servet ve \u00fcretim vergisi olan zek\u00e2t m\u00fcessesesini, yani Kur’an’a dayal\u0131 adil bir d\u00fczeni uygulayan cemiyet ve devletlerin g\u00fcc\u00fcn\u00fc ve refah\u0131n\u0131 ise) artt\u0131r\u0131r. (Bu nedenle adil devletin de faizi yasaklamas\u0131 laz\u0131md\u0131r.) Allah, (faizi m\u00fcbah sayan) g\u00fcnahk\u00e2r k\u00e2firlerin ve f\u0131rsat\u00e7\u0131 nank\u00f6rlerin hi\u00e7birini sevmez. (Onlar\u0131 hidayet ve inayetinden mahrum b\u0131rak\u0131r.)”<\/span><\/em><\/strong><\/p>\n

“\u015eayet b\u00f6yle yapmazsan\u0131z, (yani faizi, faizci d\u00fczenleri ve y\u00f6neticileri b\u0131rakmazsan\u0131z) Allah’a ve Resul\u00fcne kar\u015f\u0131 sava\u015f a\u00e7t\u0131\u011f\u0131n\u0131z\u0131 (adil devlet ve h\u00fck\u00fcmet d\u00fczeninin temellerini y\u0131kt\u0131\u011f\u0131n\u0131z\u0131) bilip anlay\u0131n (ve ona g\u00f6re davran\u0131n). E\u011fer tevbe ederseniz, art\u0131k sermayeleriniz sizindir. (B\u00f6ylece) Ne zulmetmi\u015f olursunuz, ne zulme u\u011frat\u0131lm\u0131\u015f olursunuz. (\u00d6yle ise m\u00fc’minler faizsiz d\u00fczene ge\u00e7mek i\u00e7in \u00e7al\u0131\u015fmal\u0131d\u0131r.)” <\/span><\/em><\/strong>(Bakara Suresi: 275-276, 279 \/ Bak: Ahmet-Abdullah Akg\u00fcl – Y\u00fcce Kur’an’\u0131n Manas\u0131 ve Mesaj\u0131)<\/em><\/span><\/strong><\/p>\n

Evet, bir k\u0131s\u0131m ilim ehli, “Bug\u00fcnk\u00fc b\u00e2t\u0131l ve bozuk sistemde, paran\u0131n de\u011fer kayb\u0131 (enflasyon oran\u0131) kadar faizin g\u00fcnah say\u0131lmayaca\u011f\u0131”<\/em>n\u0131 belirtmi\u015f olsalar da, bunun ge\u00e7ici bir cevaz oldu\u011funun ve \u015fuurlu m\u00fc’minlere d\u00fc\u015fen as\u0131l g\u00f6revin, faizsiz bir sistem kurmak oldu\u011funun mutlaka vurgulanmas\u0131 ve M\u00fcsl\u00fcmanlar\u0131n uyar\u0131lmas\u0131 laz\u0131md\u0131r.<\/span><\/strong><\/p>\n

\u0130\u015fte Din istismarc\u0131l\u0131\u011f\u0131 ve ma\u011fduriyet edebiyat\u0131yla iktidara ta\u015f\u0131nan \u015fu AKP iktidar\u0131nda 21 y\u0131lda, i\u00e7erideki rantiye baronlar\u0131na ve d\u0131\u015far\u0131daki Siyonist bankalara, tam <\/span><\/strong>1 trilyon 543 milyar dolar faiz \u00f6demesi <\/span><\/em><\/strong>yap\u0131lm\u0131\u015ft\u0131r.[1] Asl\u0131nda bu parayla T\u00fcrkiye, d\u00fcnyan\u0131n en kalk\u0131nm\u0131\u015f ve tam ba\u011f\u0131ms\u0131zl\u0131\u011f\u0131n\u0131 kazanm\u0131\u015f m\u00fcreffeh bir \u00fclkesi yap\u0131l\u0131rd\u0131… Bu arada <\/span><\/strong>d\u0131\u015f ve i\u00e7 bor\u00e7 toplam\u0131n\u0131n 1,5 trilyon dolar\u0131 a\u015ft\u0131\u011f\u0131 <\/span><\/em><\/strong>ger\u00e7e\u011fi de, \u00e7e\u015fitli rakam oyunlar\u0131yla toplumdan saklanmaktad\u0131r. \u00dclkemizi bunca borca, sefalet ve esaret alt\u0131na sokan, i\u015fte “Bu bankalar\u0131n FA\u0130Z’i Kur’an’daki R\u0130BA say\u0131lmaz…”<\/em> diyerek me\u015frula\u015ft\u0131r\u0131lmaya \u00e7al\u0131\u015f\u0131lan Bankac\u0131l\u0131k ve faizli bor\u00e7 uygulamas\u0131d\u0131r. <\/span><\/strong>\u015eimdi sormak laz\u0131md\u0131r: Bu korkun\u00e7 zul\u00fcm ve s\u00f6m\u00fcr\u00fc \u00e7ark\u0131n\u0131n merkezinde bulunan Banka faizlerini, Kur’an’\u0131n yasaklad\u0131\u011f\u0131 R\u0130BA’dan ayr\u0131 tutmak ve halk\u0131m\u0131z\u0131 avutmak, d\u00fcnyadaki s\u00f6m\u00fcr\u00fc sisteminin baronlar\u0131 olan bir avu\u00e7 Siyonist-Ha\u00e7l\u0131 Karunlara hizmetk\u00e2rl\u0131k yapmak ve kolayl\u0131k sa\u011flamak say\u0131lmaz m\u0131yd\u0131?<\/span><\/strong> <\/span><\/p>\n

De\u011ferli bilim adamlar\u0131m\u0131zdan Prof. Dr. Abd\u00fclaziz Bay\u0131nd\u0131r’\u0131n “Ticaret ve Faiz”<\/em> kitab\u0131ndan baz\u0131 b\u00f6l\u00fcmleri, hem yanl\u0131\u015flar\u0131n\u0131 d\u00fczelterek hem noksanlar\u0131n\u0131 gidererek, yani hem tebrik hem tenkit kas\u0131tl\u0131 aktarmakta fayda g\u00f6r\u00fcyoruz<\/span><\/strong>:<\/span><\/strong><\/p>\n

FA\u0130Z Kavram\u0131 ve S\u00f6m\u00fcr\u00fc \u00c7ark\u0131:<\/span><\/strong><\/p>\n

Faiz, (yani bug\u00fcnk\u00fc bankalardan al\u0131nan kredi faizleri)<\/em> maliyetleri s\u00fcrekli y\u00fckseltip para ihtiyac\u0131n\u0131 art\u0131rarak enflasyonun en b\u00fcy\u00fck amili (ve sebebi) olmaktad\u0131r. Kredi sisteminde sermayeye bir maliyet \u00f6denir. Buna “finansman maliyeti”<\/em> denir. \u00dcretimden pazarlamaya kadar her safhada fiyatlara eklenen finansman maliyeti, kar topunun b\u00fcy\u00fcmesi gibi fiyatlar\u0131 s\u00fcrekli y\u00fckseltir. Finansman maliyeti krediye \u00f6denen faizdir. Sistemin etkili oldu\u011fu ekonomilerde kredi kullanmayanlar bile \u00fcrettikleri mal ve hizmetlere finansman maliyeti koyarlar. \u00c7\u00fcnk\u00fc banka faizi, meydana gelecek enflasyonun bir g\u00f6stergesidir. Bu sebeple onlar, enflasyona kar\u015f\u0131 korunmak i\u00e7in buna ihtiya\u00e7 duyarlar. B\u00f6ylece fiyatlar s\u00fcrekli artarken, dar ve sabit gelirlilerin serveti h\u0131zl\u0131 bir bi\u00e7imde erimektedir.<\/span><\/strong><\/p>\n

T\u00fcrkiye Cumhuriyeti’nin ilk devirlerinde 1 lira, 7,364 g a\u011f\u0131rl\u0131\u011f\u0131ndaki <\/span><\/strong>bir alt\u0131n<\/span><\/em><\/strong> demekti. 1960’ta alt\u0131n\u0131n fiyat\u0131 60 liraya, 1 Kas\u0131m 1999’da ise 35.750.000 TL’ye \u00e7\u0131km\u0131\u015ft\u0131. Paran\u0131n bu kadar de\u011fer kaybedece\u011fini 50 y\u0131l \u00f6nce s\u00f6yleselerdi kimse inanmazd\u0131. Bu de\u011fer kayb\u0131 fiyat art\u0131\u015f\u0131 olarak halka yans\u0131d\u0131 ve bu sayede bir\u00e7ok servet, sahibinin elinden \u00e7\u0131kt\u0131 ve haks\u0131z olarak ba\u015fka servetlere kat\u0131ld\u0131.<\/span><\/strong><\/p>\n

Hat\u0131rlay\u0131n\u0131z; T\u00fcrkiye’nin 2000 y\u0131l\u0131 b\u00fct\u00e7esi haz\u0131rlan\u0131rken vergi gelirlerinin 24 katrilyon olmas\u0131 hesaplanm\u0131\u015f, bu y\u0131lda 21,1 katrilyon i\u00e7 bor\u00e7 faizi \u00f6denmesi \u00f6ng\u00f6r\u00fclm\u00fc\u015ft\u00fc. 1999 itibar\u0131yla anapara bor\u00e7lar\u0131 18,5 katrilyona \u00e7\u0131km\u0131\u015ft\u0131. T\u00fcrk h\u00fck\u00fcmeti b\u00fct\u00fcn harcamalar\u0131 durdursa da vergi geliriyle i\u00e7 bor\u00e7 taksitlerini ve faizleri \u00f6dese, alaca\u011f\u0131 verginin tamam\u0131n\u0131 verdikten sonra 15,6 katrilyona daha ihtiyac\u0131 olacakt\u0131r. Bu tarihte T\u00fcrkiye’nin 100 milyar ABD dolar\u0131 (50 katrilyon) d\u0131\u015f borcunun oldu\u011fu ve bunun anapara ve faiz \u00f6demelerinin de kar\u015f\u0131lanmas\u0131 gerekti\u011fi d\u00fc\u015f\u00fcn\u00fcl\u00fcrse, FA\u0130Z’in tahribat\u0131 ve bu nedenle \u00fclkenin iflas\u0131 ortaya \u00e7\u0131kacakt\u0131r. Buna kar\u015f\u0131l\u0131k 2000 y\u0131l\u0131 b\u00fct\u00e7esinin 47 katrilyon olmas\u0131 \u00f6ng\u00f6r\u00fclm\u00fc\u015ft\u00fc. Bu demektir ki, T\u00fcrkiye, ayakta durabilmek i\u00e7in 2000 y\u0131l\u0131 i\u00e7inde yeni bor\u00e7lara ihtiya\u00e7 duyacakt\u0131. <\/span><\/strong><\/p>\n

\u0130\u00e7 bor\u00e7lar\u0131n b\u00fcy\u00fck k\u0131sm\u0131 ise, birka\u00e7 zenginden al\u0131nm\u0131\u015ft\u0131r. Bunlar\u0131n 200 aileyi ge\u00e7medi\u011fi konu\u015fulmaktad\u0131r. Bu paralar, onlar\u0131n kullan\u0131m d\u0131\u015f\u0131 tuttuklar\u0131 nakitlerine kar\u015f\u0131l\u0131k alacaklar\u0131d\u0131r. 1960’l\u0131 y\u0131llarda, g\u00fcn gelip zenginlerin devletten alacaklar\u0131na, b\u00fct\u00e7enin yetmeyece\u011fi s\u00f6ylenseydi kimse inanmazd\u0131.<\/span><\/strong><\/p>\n

22 y\u0131ld\u0131r \u00fclkenin ba\u015f\u0131nda bulunan AKP iktidar\u0131n\u0131n <\/span><\/em><\/strong>“Faiz sebep, Enflasyon sonu\u00e7tur. Bu konuda NASS mevcuttur” \u015feklindeki istismar edebiyat\u0131 yan\u0131nda tamamen faizci ve d\u0131\u015f g\u00fc\u00e7lere teslimiyet\u00e7i icraatlar\u0131 y\u00fcz\u00fcnden, \u015fimdi \u00fclke ekonomisi iflas noktas\u0131na dayan\u0131p t\u0131kanm\u0131\u015ft\u0131r…<\/em><\/span><\/strong><\/p>\n

“ENFLASYON”un Anlam\u0131 ve Arka Plan\u0131<\/span><\/strong><\/p>\n

Enflasyon, fiyatlarda g\u00f6r\u00fclen s\u00fcrekli art\u0131\u015f diye tarif edilebilir. Fiyatlar\u0131n artmas\u0131 demek, ayn\u0131 mal ve hizmet i\u00e7in, eskiye g\u00f6re daha fazla para \u00f6denmesi demektir. Bunun sebebi ya paran\u0131n de\u011fer kaybetmesi ya da maliyetlerin artmas\u0131 olabilir. Birinci ihtimal ge\u00e7erliyse <\/span><\/strong>“talep enflasyonu”<\/span><\/em><\/strong>, ikincisi ge\u00e7erliyse <\/span><\/strong>“maliyet enflasyonu”<\/span><\/em><\/strong> olur.<\/span><\/strong><\/p>\n

Banka kredilerinin, dolay\u0131s\u0131yla kaydi paran\u0131n art\u0131\u015f\u0131, kamu harcamalar\u0131n\u0131n para basmak suretiyle kar\u015f\u0131lanmas\u0131, b\u00fct\u00e7e a\u00e7\u0131klar\u0131 ve paraya olan g\u00fcvenin kaybolmas\u0131 gibi \u015feyler, talep enflasyonunun sebepleri aras\u0131nda yer al\u0131r.<\/span><\/strong><\/p>\n

Maliyet enflasyonunun sebepleri ise; faiz, vergiler ve deval\u00fcasyon ile tekelci \u00f6zellik ta\u015f\u0131yan firmalar\u0131n, \u00fcrettikleri mal ve hizmetin fiyat\u0131n\u0131 hakl\u0131 bir gerek\u00e7eye dayanmadan s\u00fcrekli art\u0131rabilmeleridir.<\/span><\/strong><\/p>\n

Talep Enflasyonu ve \u00d6nleme Yollar\u0131<\/span><\/strong><\/p>\n

Talep enflasyonu, mallara y\u00f6nelik a\u015f\u0131r\u0131 talebin fiyatlar\u0131 y\u00fckseltmesidir. A\u015f\u0131r\u0131 talebi do\u011furan \u015fey piyasadaki para bollu\u011fudur. Bu sebeple talep enflasyonu, dola\u015f\u0131ma ihtiya\u00e7tan fazla para s\u00fcr\u00fclmesinden dolay\u0131 paran\u0131n de\u011fer kaybetmesine yol a\u00e7an olayd\u0131r.<\/span><\/strong><\/p>\n

\u0130ster madeni ister k\u00e2\u011f\u0131t olsun, her para de\u011fer kaybedebilir. Ancak dola\u015f\u0131ma ihtiya\u00e7tan fazla para s\u00fcr\u00fclmesine ba\u011fl\u0131 de\u011fer kayb\u0131 (Alt\u0131na endeksli) madeni para d\u00fczeninde pek g\u00f6r\u00fclmeyecektir. \u00c7\u00fcnk\u00fc bu d\u00fczende para miktar\u0131 eldeki alt\u0131n ve g\u00fcm\u00fc\u015fle s\u0131n\u0131rl\u0131 haldedir.<\/span><\/strong><\/p>\n

K\u00e2\u011f\u0131t para d\u00fczeninde ise, para basmak kolayd\u0131r. K\u00e2\u011f\u0131d\u0131n a\u011f\u0131rl\u0131\u011f\u0131, kalitesi ve b\u00fcy\u00fckl\u00fc\u011f\u00fc \u00f6nemli olmad\u0131\u011f\u0131ndan para otoritesi, istedi\u011fi kadar para basabilir. Piyasaya ihtiya\u00e7tan fazla para s\u00fcrme olay\u0131, esasen k\u00e2\u011f\u0131t para d\u00fczeninde g\u00f6r\u00fclmektedir ve enflasyonun \u00f6nemli bir sebebidir.<\/span><\/strong><\/p>\n

Enflasyon belas\u0131ndan kurtulmak i\u00e7in:<\/span><\/em><\/strong><\/p>\n

• <\/span><\/em><\/strong>Zirai ve s\u0131nai alan\u0131nda yerli ve Milli kalk\u0131nman\u0131n mutlaka ba\u015far\u0131lmas\u0131…<\/span><\/em><\/strong><\/p>\n

• <\/span><\/em><\/strong>Herkese istihdam sa\u011flay\u0131c\u0131 tedbirlerin al\u0131nmas\u0131…<\/span><\/em><\/strong><\/p>\n

• <\/span><\/em><\/strong>Milli E\u011fitimin “Her alanda yeterli ve gerekli teknik eleman haz\u0131rlay\u0131c\u0131, l\u00fcks ve fantezi bilgi hamall\u0131\u011f\u0131ndan” gen\u00e7li\u011fi kurtar\u0131c\u0131 bir programa kavu\u015fturulmas\u0131 \u00fczerinde durulmamas\u0131, yani sorunlar\u0131n aktar\u0131l\u0131p, \u00e7\u00f6z\u00fcm yollar\u0131n\u0131n ortaya konulmamas\u0131 \u00f6nemli bir noksanl\u0131kt\u0131r.<\/span><\/em><\/strong><\/p>\n

Maliyet Enflasyonu ve Sonu\u00e7lar\u0131!<\/span><\/strong><\/p>\n

Maliyet enflasyonu, mal ve hizmetlerin maliyetinde g\u00f6r\u00fclen s\u00fcrekli art\u0131\u015ft\u0131r. Bunun sebebi\u037e <\/span><\/strong>faiz, mal ve fakt\u00f6r piyasalar\u0131nda tekelci e\u011filimler, vas\u0131tal\u0131 vergiler ve deval\u00fcasyon<\/span><\/em><\/strong> diye \u00f6zetlenebilir.<\/span><\/strong><\/p>\n

Emek, sermaye ve tabii kaynaklar <\/span><\/em><\/strong>gibi \u00fcretim fakt\u00f6rleri, mal ve hizmetlerin ger\u00e7ek maliyetini olu\u015fturur. Bunlar\u0131n fiyatlar\u0131n\u0131n artmas\u0131, maliyetleri art\u0131r\u0131verir.<\/span><\/strong><\/p>\n

Mal ve hizmet piyasalar\u0131n\u0131n tekelci \u00f6zellik ta\u015f\u0131mas\u0131 halinde, tekelci firmalar keyfi bir bi\u00e7imde ve s\u00fcrekli olarak fiyatlar\u0131n\u0131 art\u0131rabilirler.<\/span><\/strong><\/p>\n

Vergiler, maliyetlere eklendi\u011fine g\u00f6re, bunlar\u0131n enflasyonu art\u0131raca\u011f\u0131 a\u00e7\u0131kt\u0131r. Katma de\u011fer vergisi gibi sat\u0131\u015f s\u0131ras\u0131nda al\u0131nan vergiler de fiyatlar\u0131 hemen art\u0131r\u0131r.<\/span><\/strong><\/p>\n

Milli paran\u0131n yabanc\u0131 para kar\u015f\u0131s\u0131nda de\u011fer kaybetmesi demek olan <\/span><\/strong>deval\u00fcasyon<\/span><\/em><\/strong> <\/span>da ithal mallar\u0131n fiyatlar\u0131n\u0131 y\u00fckseltti\u011fi i\u00e7in enflasyonu azd\u0131r\u0131r.<\/span><\/strong><\/p>\n

Maliyet enflasyonu ile talep enflasyonu tavuk ve yumurta gibi birbirinin hem sebebi hem sonucu say\u0131l\u0131r. Her ikisinin sebebi de ekonominin normal seyri d\u0131\u015f\u0131na \u00e7\u0131kmas\u0131d\u0131r.<\/span><\/strong><\/p>\n

Maliyet enflasyonunun en \u00f6nemli unsuru faizdir. <\/span><\/strong>(Yani g\u00fcn\u00fcm\u00fczdeki s\u00f6m\u00fcr\u00fc \u00e7ark\u0131n\u0131n merkezindeki bankalardan al\u0131nan kredi faizleridir.)<\/span><\/em><\/strong> Faiz, ham maddeden pazarlamaya kadar her safhada devreye girdi\u011finden maliyetleri b\u00fcy\u00fck oranda art\u0131r\u0131r. Kredi kullananlar tedbirli olmak i\u00e7in y\u00fcksek k\u00e2r elde etmek zorunda kal\u0131rlar. \u00c7\u00fcnk\u00fc \u00f6demelerde bir aksama olursa iflasa varan s\u0131k\u0131nt\u0131lar do\u011facakt\u0131r. Bu da fiyatlar\u0131 art\u0131ran bir ba\u015fka unsur olmaktad\u0131r.<\/span><\/strong><\/p>\n

Banka ise bir taraftan kaydi para \u00e7\u0131kararak para arz\u0131n\u0131 art\u0131r\u0131r; di\u011fer taraftan ald\u0131\u011f\u0131 faizle maliyetleri art\u0131r\u0131p para talebini k\u0131\u015fk\u0131rt\u0131r ve b\u00f6ylece iki taraftan enflasyona sebep olur.<\/span><\/strong><\/p>\n

• <\/span><\/strong>Kat\u0131l\u0131m Bankalar\u0131 <\/span><\/strong><\/p>\n

“Tasarruflar\u0131, faiz \u00f6deyerek toplay\u0131p faizli bor\u00e7 verme sistemine”<\/span><\/em><\/strong> <\/span>Kapitalist d\u00fczende kredi sistemi denir. Bu i\u015fi ise daha \u00e7ok bankalar y\u00fcr\u00fctmektedir.<\/span><\/strong><\/p>\n

Ancak, <\/span><\/strong>paray\u0131, ortakl\u0131k sermayesi olarak toplay\u0131p bir t\u00fcccar s\u0131fat\u0131yla i\u015fletmek de<\/span><\/em><\/strong> m\u00fcmk\u00fcn ve m\u00fcnasiptir. Bunun i\u00e7in mud\u00e2rebe, yani emek\u00adsermaye ortakl\u0131\u011f\u0131 kurmak gerekir. Eme\u011fi temsil eden tarafa “mud\u00e2rib”, sermayeyi temsil eden tarafa da “rabbu’l\u00admal” denir.<\/span><\/strong><\/p>\n

Mud\u00e2ribe, bankac\u0131l\u0131k hizmetleri yapma yetkisinin verilmesiyle faizsiz bankalar t\u00fcremi\u015ftir. T\u00fcrkiye’de bunlara, \u00f6nce <\/span><\/strong>“Faizsiz Finans Kurumu”<\/span><\/em><\/strong> sonra <\/span><\/strong>“Kat\u0131l\u0131m Bankas\u0131”<\/span><\/em><\/strong> ad\u0131 verilmi\u015ftir. Bunlar, bankac\u0131l\u0131k hizmetleri d\u0131\u015f\u0131ndaki t\u00fcm i\u015flerini bir t\u00fcccar s\u0131fat\u0131yla yapmakla m\u00fckelleftir. Kat\u0131l\u0131m bankalar\u0131n\u0131n mud\u00e2rebeye dayal\u0131 olarak uygulad\u0131klar\u0131 sisteme bu kitapta “ortakl\u0131k sistemi” ad\u0131 verilmi\u015ftir.<\/span><\/strong><\/p>\n

Kat\u0131l\u0131m bankas\u0131 ile para sahipleri aras\u0131nda bir <\/span><\/strong>“mud\u00e2rebe”<\/span><\/em><\/strong> yani emek\u00adsermaye ortakl\u0131\u011f\u0131 kurulur. <\/span><\/strong>Buna T\u00fcrkiye’de k\u00e2r\/zarar ortakl\u0131\u011f\u0131 denir.<\/span><\/em><\/strong> Kat\u0131l\u0131m Bankas\u0131, bu \u015fekilde toplad\u0131\u011f\u0131 paralar\u0131 bir t\u00fcccar s\u0131fat\u0131yla i\u015fletmeyi ve elde edece\u011fi k\u00e2r\u0131 ortaklar\u0131yla payla\u015fmay\u0131 kabul ve taahh\u00fct eder. E\u011fer zarar olursa ortaklar\u0131n sermayesinden gider. Bu durumda onun zarar\u0131, yapt\u0131\u011f\u0131 i\u015ften gelir elde edememekle s\u0131n\u0131rl\u0131 kal\u0131r. Bankac\u0131l\u0131k hizmetlerinden sa\u011flayaca\u011f\u0131 gelir ise kendine aittir. \u00c7\u00fcnk\u00fc o i\u015f, k\u00e2r\/zarar ortakl\u0131\u011f\u0131 kapsam\u0131na girmez.<\/span><\/strong><\/p>\n

(\u00c7a\u011f\u0131m\u0131z Kapitalist ekonomisinin veba mikrobu olan)<\/span><\/em><\/strong> Faizli bor\u00e7, \u00f6teden beri bilinen bir uygulamad\u0131r. \u00d6nceleri \u00e7ok paras\u0131 olanlar faizli bor\u00e7 verebilirken, kredi sistemi sayesinde az paras\u0131 olanlar da faizli bor\u00e7 verebilir h\u00e2le gelmi\u015flerdir. Onlar borcu bankaya verirler\u037e banka da toplad\u0131\u011f\u0131 di\u011fer paralarla birle\u015ftirerek talep eden ki\u015filere, faizli olarak bor\u00e7 verir.<\/span><\/strong><\/p>\n

“Mud\u00e2rebe”<\/span><\/em><\/strong> de \u00f6teden beri bilinen bir uygulamad\u0131r. Ama \u00f6nceleri, ancak \u00e7ok paras\u0131 olanlar ortak bulurlarken, ortakl\u0131k sistemi sayesinde az paras\u0131 olanlar da ortak bulur h\u00e2le gelmi\u015flerdir. Kat\u0131l\u0131m bankas\u0131, mud\u00e2rebe akdi ile onlar\u0131n paralar\u0131n\u0131 al\u0131r, toplad\u0131\u011f\u0131 di\u011fer paralarla birle\u015ftirir ve iyi bir t\u00fcccar s\u0131fat\u0131yla kullan\u0131r.<\/span><\/strong><\/p>\n

“Kat\u0131l\u0131m bankas\u0131 kredi veremez. \u00c7\u00fcnk\u00fc krediden elde edilecek gelir faiz olur. O, bir yard\u0131m kurulu\u015fu olmad\u0131\u011f\u0131 i\u00e7in faizsiz bor\u00e7 da veremez. Zaten faizsiz bor\u00e7, k\u00fc\u00e7\u00fck yard\u0131mla\u015fmalar d\u0131\u015f\u0131nda verilemez. \u00c7\u00fcnk\u00fc bir kimseye sermaye verip kazan\u00e7 sa\u011flamas\u0131na yard\u0131mc\u0131 olmak, ama elde edece\u011fi k\u00e2rdan pay almamak insan tabiat\u0131na uymaz. Bu sebeple faizsiz kredi yoluyla sermaye toplay\u0131p i\u015f yapmak hemen hemen imk\u00e2ns\u0131zd\u0131r.”<\/span><\/strong><\/p>\n

<\/span>Bu yorum, Sn. Yazar\u0131n yan\u0131lg\u0131s\u0131d\u0131r. \u00c7\u00fcnk\u00fc Akli, \u0130lmi, Tarihi, Vicdani ve \u0130slami esaslara dayal\u0131 AD\u0130L D\u00dcZEN’de “Hakk\u0131 m\u00fckteseb” kredisiyle… Yani faizsiz Devlet Bankalar\u0131na yat\u0131r\u0131lan, Karz-\u0131 Hasen cinsinden ihtiya\u00e7 fazlas\u0131 paralar\u0131n miktar\u0131 ve bankada kal\u0131\u015f zaman\u0131 oran\u0131nda, Kredi \u00e7ekme imk\u00e2n\u0131 sa\u011flanacakt\u0131r. (Bu konu; “Adil D\u00fczen ve Yeni Bir D\u00fcnya” kitab\u0131m\u0131zda detaylar\u0131yla anlat\u0131lm\u0131\u015ft\u0131r.)<\/span><\/em><\/strong><\/p>\n

Faizsiz sermayeyi toplaman\u0131n tek yolu ortakl\u0131k kurmakt\u0131r. Para sahibini i\u015fe kar\u0131\u015ft\u0131rmadan kurulacak tek ortakl\u0131k \u00e7e\u015fidi de mud\u00e2rebedir. Bu sebeple kat\u0131l\u0131m bankalar\u0131 bu yolu kullan\u0131rlarsa caiz ve yararl\u0131d\u0131r.<\/span><\/strong><\/p>\n

Ancak k\u00e2r-zarar ortakl\u0131\u011f\u0131n\u0131n esas al\u0131nmas\u0131 \u015fartt\u0131r. Fikren ve fiilen, sadece k\u00e2r pay\u0131 da\u011f\u0131t\u0131lmas\u0131, FA\u0130Z’e ba\u015fka bir k\u0131l\u0131f haz\u0131rlanmas\u0131d\u0131r.<\/span><\/em><\/strong><\/p>\n

Enflasyon Fark\u0131 ve Faiz<\/span><\/strong><\/p>\n

Allah; al\u0131m sat\u0131m\u0131 hel\u00e2l, faizli i\u015flemi haram k\u0131lm\u0131\u015f ve \u015f\u00f6yle buyurmu\u015ftur: “E\u011fer faizcilikten vazge\u00e7erseniz anamallar\u0131n\u0131z sizindir. B\u00f6ylece ne (fazla alarak) haks\u0131zl\u0131k edersiniz, ne de (noksan alarak) haks\u0131zl\u0131\u011fa u\u011frars\u0131n\u0131z.” (Bakara Suresi: 279)<\/span><\/strong><\/p>\n

K\u00e2\u011f\u0131t para ile olan borcu, eksi\u011fi ve fazlas\u0131 olmadan \u00f6demenin tek yolu, para de\u011ferini dikkate almak, verilen para ile bor\u00e7lan\u0131lan para aras\u0131nda e\u015fitli\u011fi sa\u011flamakt\u0131r. \u00c7\u00fcnk\u00fc k\u00e2\u011f\u0131t parada denklik ancak b\u00f6yle sa\u011flanabilir. Bu sebeple b\u00fct\u00fcn d\u00fcnyada ilgili kanunlar de\u011fi\u015ftirilmeli\u037e k\u00e2\u011f\u0131t paran\u0131n, \u00fczerinde yaz\u0131l\u0131 rakama g\u00f6re de\u011fil, temsil etti\u011fi sat\u0131n alma g\u00fcc\u00fcne g\u00f6re i\u015flem g\u00f6rece\u011fi h\u00fckme ba\u011flanmal\u0131d\u0131r. O zaman, bu yolla yap\u0131lan haks\u0131zl\u0131klar b\u00fcy\u00fck \u00f6l\u00e7\u00fcde \u00f6nlenmi\u015f olur.<\/span><\/strong><\/p>\n

(Bu konuda en ger\u00e7ek\u00e7i ve ge\u00e7erli \u00e7\u00f6z\u00fcm Adil D\u00fczen’deki de\u011feri de\u011fi\u015fmeyen, eme\u011fi ve \u00fcretimi simgeleyen SA\u011eLAM PARA’d\u0131r.) <\/span><\/em><\/strong><\/p>\n

De\u011fer Kayb\u0131 ile \u0130lgili Osmanl\u0131 Uygulamas\u0131<\/span><\/strong><\/p>\n

Osmanl\u0131lar alt\u0131n kar\u015f\u0131l\u0131\u011f\u0131nda k\u00e2\u011f\u0131t para basm\u0131\u015flard\u0131. <\/span><\/strong>“K\u00e2ime”<\/span><\/em><\/strong> ad\u0131 verilen bu para zamanla \u00f6nemli \u00f6l\u00e7\u00fcde de\u011fer kayb\u0131na u\u011fram\u0131\u015ft\u0131. Para de\u011fer kayb\u0131n\u0131n baz\u0131 \u00f6demelerde dikkate al\u0131nmas\u0131 i\u00e7in 13 Rebi\u00fclevvel 1298 (13 Mart 1881) tarihinde \u015fu irade\u00adi seniyye (Padi\u015fah emri) \u00e7\u0131kar\u0131lm\u0131\u015ft\u0131:<\/span><\/strong><\/p>\n

“Eytam sand\u0131klar\u0131ndan k\u00e2ime olarak id\u00e2ne edilen mebali\u011fin ve k\u00e2ime ile bey’ olunup m\u00fc\u015fteri zimmetinde kalan semen\u00adi mebiin h\u00een\u00adi id\u00e2ne ve akd\u00adi bey’de k\u00e2ime ile altun ve g\u00fcm\u00fc\u015f sikke rayici her ne ise o hesap \u00fczre istifas\u0131 mukarrerdir.”<\/span><\/em><\/strong><\/p>\n

Sadele\u015ftirilmi\u015f \u015fekli: <\/span><\/strong><\/p>\n

Eytam sand\u0131klar\u0131ndan k\u00e2ime olarak verilen bor\u00e7lar ile k\u00e2ime kar\u015f\u0131l\u0131\u011f\u0131 sat\u0131lan mallar\u0131n bedellerinden \u00f6denmemi\u015f olanlar\u0131n, bor\u00e7lanma g\u00fcn\u00fcnde ve sat\u0131\u015f\u0131n yap\u0131ld\u0131\u011f\u0131 s\u0131rada alt\u0131n veya g\u00fcm\u00fc\u015f paraya g\u00f6re de\u011feri her ne ise onun \u00f6denmesi kararla\u015ft\u0131r\u0131lm\u0131\u015ft\u0131r.<\/span><\/strong><\/p>\n

De\u011fer Kayb\u0131 Nas\u0131l Hesaplan\u0131rd\u0131?<\/span><\/strong><\/p>\n

De\u011fer kayb\u0131; alt\u0131na, g\u00fcm\u00fc\u015fe ve enflasyon oran\u0131na g\u00f6re hesap edilebilir. Bug\u00fcn alt\u0131n ve g\u00fcm\u00fc\u015f, para olmaktan \u00e7\u0131km\u0131\u015f, di\u011fer mallar gibi olmu\u015ftur. Art\u0131k o da de\u011fer kazanmakta ve zaman zaman ucuzlamaktad\u0131r. Mesela 1980 y\u0131l\u0131n\u0131n ilk aylar\u0131nda bir ons (31 gram) alt\u0131n 850 dolarken, 9 Mart 1982 g\u00fcn\u00fc 335,5 dolara d\u00fc\u015fm\u00fc\u015ft\u00fc. \u0130ki y\u0131l i\u00e7inde dolar\u0131n da de\u011fer kaybetti\u011fi dikkate al\u0131n\u0131rsa, alt\u0131n\u0131n de\u011fer kayb\u0131n\u0131n daha b\u00fcy\u00fck oldu\u011fu g\u00f6r\u00fcl\u00fcr. Ancak alt\u0131n\u0131n borsalarda dalgalanmas\u0131 ve de\u011ferinin inip \u00e7\u0131kmas\u0131 k\u0131sa vadelidir. Alt\u0131n, uzun vadede de\u011ferini koruyabilecek \u00f6zelliktedir. Para de\u011fer kayb\u0131n\u0131n alt\u0131na g\u00f6re hesaplanmas\u0131 \u00e7ok defa zarar\u0131 kar\u015f\u0131layabilir. Para de\u011fer kayb\u0131n\u0131 enflasyon oran\u0131na g\u00f6re hesaplamak en uygun yol olsa da enflasyon oran\u0131n\u0131n tam olarak tespiti zor g\u00f6r\u00fclmektedir.<\/span><\/strong><\/p>\n

\u00dc\u00e7\u00fcnc\u00fc yol, piyasada ge\u00e7erli yabanc\u0131 paralar\u0131n esas al\u0131nmas\u0131d\u0131r. Onlar da birer k\u00e2\u011f\u0131t para oldu\u011fu i\u00e7in hem enflasyona u\u011framakta, hem de uluslararas\u0131 borsalardaki genel e\u011filime paralel olarak dalgalanmaktad\u0131r.<\/span><\/strong><\/p>\n

Bu konuda her yerde ge\u00e7erli bir prensip koymak zordur. Bunu, her yerin kendi durumuna ve \u015fartlar\u0131na g\u00f6re tespit etmek gerekir.” <\/span><\/strong>diyen<\/span><\/em><\/strong> <\/span><\/em>Sn. Yazar bu konuda da yan\u0131lmaktad\u0131r. Adil D\u00fczen programlar\u0131n\u0131 iyi bilmemenin s\u0131k\u0131nt\u0131lar\u0131n\u0131 ya\u015famaktad\u0131r<\/span><\/em><\/strong>.<\/span><\/em><\/strong><\/p>\n

Para de\u011fer kayb\u0131n\u0131n \u00f6denmesi i\u00e7in taraflar\u0131n \u00f6nceden anla\u015fmalar\u0131 gerekmez. \u00c7\u00fcnk\u00fc bu bir hakt\u0131r, ama borcun \u00f6zelli\u011fine g\u00f6re baz\u0131 farkl\u0131 uygulamalar olabilir.<\/span><\/strong><\/p>\n

Bor\u00e7 \u00f6deme, bor\u00e7lanma g\u00fcn\u00fcndeki de\u011fer \u00fczerinden yap\u0131l\u0131r. \u00c7\u00fcnk\u00fc denklik (m\u00fcm\u00e2selet) ancak bu \u015fekilde sa\u011flanabilir. B\u00f6ylece ne bor\u00e7lu haks\u0131z kazan\u00e7 sa\u011flar, ne de alacakl\u0131 zarara girer.<\/span><\/strong><\/p>\n

Enflasyonun normal seyretti\u011fi d\u00f6nemlerde veresiye mal al\u0131p borcunu zaman\u0131nda \u00f6demeyen, \u00f6deme g\u00fcn\u00fcnden itibaren meydana gelen de\u011fer kayb\u0131n\u0131 kar\u015f\u0131lar. \u00c7\u00fcnk\u00fc b\u00f6yle bir ortamda vadeli fiyat belirleyenler, paran\u0131n \u00f6deme g\u00fcn\u00fcne kadar u\u011frayaca\u011f\u0131 de\u011fer kayb\u0131n\u0131 dikkate al\u0131rlar. Ama enflasyon oran\u0131 beklenmedik bir \u015fekilde artarsa, vaktinde \u00f6denen bor\u00e7larda da bu art\u0131\u015f dikkate al\u0131n\u0131r. Mesela enflasyon %5 civar\u0131nda iken %10’a \u00e7\u0131karsa %5’lik art\u0131\u015f bor\u00e7ludan talep edilir.<\/span><\/strong><\/p>\n

Para de\u011fer kaybedince, \u00fccret ve maa\u015flar\u0131n sat\u0131n alma g\u00fcc\u00fc d\u00fc\u015fer. Bu sebeple \u00fccret ve maa\u015flara para de\u011fer kayb\u0131 oran\u0131nda zam yapmak icap eder.<\/span><\/strong><\/p>\n

Para de\u011fer kaybettik\u00e7e, kiralar\u0131n da o oranda y\u00fckselmesi gerekir. Vadeli sat\u0131\u015ftaki prensip burada da ge\u00e7erlidir. Yani enflasyon normal bir seyir takip eder ve kira, zaman\u0131nda \u00f6denirse fazla bir \u015fey talep edilemez. Ama enflasyon beklenen oran\u0131n \u00fczerinde olursa, kiray\u0131 \u00f6derken bu oran dikkate al\u0131n\u0131r.<\/span><\/strong><\/p>\n

Adil D\u00fczen’de “Sa\u011flam Para” Kavram\u0131:<\/span><\/strong><\/p>\n

\u00d6nce “SA\u011eLAM PARA”<\/strong> kavram\u0131n\u0131 a\u00e7\u0131klayal\u0131m; bilindi\u011fi gibi canl\u0131 varl\u0131klar \u00e7al\u0131\u015farak ya\u015fam\u0131n\u0131 s\u00fcrd\u00fcr\u00fcrler. Bu \u00e7al\u0131\u015fma bir “\u00fcretim”<\/strong>, ya\u015famak i\u00e7in harcanan \u015feyler ise bir “t\u00fcketim”<\/strong> olay\u0131d\u0131r. Bir anlamda, canl\u0131lar kendi varl\u0131klar\u0131n\u0131 kendi gayretleri ile s\u00fcrd\u00fcrmek zorundad\u0131r.<\/span><\/p>\n

Ar\u0131lar ve kar\u0131ncalar \u00f6rne\u011fi, pek \u00e7ok canl\u0131 t\u00fcrleri gibi insanlar da tek ba\u015f\u0131na de\u011fil, “Topluluk”<\/strong> halinde ya\u015famak durumundad\u0131r. Topluluk halinde, devaml\u0131 ve d\u00fczenli olarak ya\u015fayabilmek i\u00e7in de, o toplulukta \u00fcretilen “toplam mal\u0131n”<\/strong>, birlikte t\u00fcketilen toplam maldan fazla olmas\u0131 laz\u0131md\u0131r. Yok, e\u011fer “t\u00fcketilen mal”<\/strong> toplam\u0131, “\u00fcretilen mal”<\/strong> toplam\u0131ndan daha fazla olursa, o zaman “\u00fcretilmeyen bir mal\u0131n t\u00fcketilmesi”<\/strong> gibi bir durum ortaya \u00e7\u0131kar ki; bu dengesizlik, sosyal ve ekonomik t\u0131kan\u0131\u015fa ve t\u00fckeni\u015fe yol a\u00e7acakt\u0131r.<\/span><\/p>\n

Asl\u0131nda, bir \u00fclkede, herkes \u00fcretti\u011fi kadar t\u00fcketirse, “topluca \u00fcretilen, topluca t\u00fcketilene e\u015fit”<\/strong> olaca\u011f\u0131ndan, “tabii bir denge” kurulmu\u015f olacakt\u0131r.<\/span><\/p>\n

Ancak bu dengenin s\u00fcrekli olabilmesi i\u00e7in, o toplumda ayr\u0131ca “<\/em>biriktirilmi\u015f fazla mal\u0131n”<\/em> bulunmas\u0131 da \u015fartt\u0131r. \u00c7\u00fcnk\u00fc k\u0131tl\u0131k, sava\u015f, deprem ve yang\u0131n gibi felaketlerde, bu “depolanm\u0131\u015f fazla mal\u0131n t\u00fcketilmesi”<\/em> ile ancak denge sa\u011flan\u0131p korunacakt\u0131r. Ayr\u0131ca \u00e7ocuk, hasta, ihtiyar, sakat, memuriyet ve hizmet sekt\u00f6r\u00fcnde \u00e7al\u0131\u015fanlar gibi, devaml\u0131 t\u00fcketici durumunda olan kimselerin a\u00e7t\u0131\u011f\u0131 bo\u015flu\u011fu doldurmak i\u00e7in de yine “fazla \u00fcretime” ihtiya\u00e7 vard\u0131r. Demek ki toplumda ekonomik dengenin kurulmas\u0131 ve korunmas\u0131 i\u00e7in “\u00fcretim toplam\u0131n\u0131n, t\u00fcketim toplam\u0131ndan mutlaka fazla olmas\u0131” laz\u0131md\u0131r. Kar\u0131ncalar ve ar\u0131lar gibi toplu ya\u015fayan hayvanlar \u00e2leminde durum genellikle b\u00f6yledir. Yap\u0131lan g\u00f6zlem ve incelemeler sonucu, mesela ar\u0131lar\u0131n kendi ihtiya\u00e7lar\u0131ndan \u00e7ok daha fazla bal \u00fcrettikleri saptanm\u0131\u015f, hatta kovanda bal azal\u0131nca, ar\u0131lar\u0131n i\u015ftah\u0131 ve yemek arzular\u0131n\u0131n kesildi\u011fi, a\u00e7l\u0131ktan \u00f6lseler bile geride birikmi\u015f bal b\u0131rakt\u0131klar\u0131 saptanm\u0131\u015ft\u0131r.<\/span><\/strong><\/p>\n

\u0130lahi f\u0131trat ve tabiat d\u00fczeni gere\u011fi canl\u0131 varl\u0131klar, hem \u00e7al\u0131\u015f\u0131p \u00fcretmekten, hem de ya\u015famaktan (harcay\u0131p t\u00fcketmekten) ho\u015flan\u0131rlar. Ancak dengenin korunmas\u0131 i\u00e7in, “\u00e7al\u0131\u015fma arzusunun, ya\u015fama arzusundan daha fazla olmas\u0131”<\/strong> gerekti\u011fini yukar\u0131da belirtmi\u015ftik. \u0130\u015fte hayvanlarda durum b\u00f6yledir. Yani kar\u0131nca ve ar\u0131lar gibi hayvan cemiyetlerinde \u00e7al\u0131\u015fma ve \u00fcretme gayesi ve gayreti, ya\u015fama ve t\u00fcketme iste\u011finden fazlad\u0131r.<\/span><\/p>\n

Ama insanlarda durum bunun tersinedir. \u0130nsano\u011flu, ya\u015fama ve t\u00fcketme zevki, \u00e7al\u0131\u015fma ve \u00fcretme iste\u011finden fazla olan bir varl\u0131kt\u0131r. Yani insanlar, emek vermeden ve zahmet \u00e7ekmeden, rahat yoldan ge\u00e7inmeyi, \u00fcretmek i\u00e7in s\u0131k\u0131nt\u0131 \u00e7ekmeye ve sorumluluk y\u00fcklenmeye tercih etmeye yatk\u0131nd\u0131r. \u0130nsandaki bu a\u015f\u0131r\u0131 t\u00fcketim ve rahat ya\u015fama e\u011filimi, biraz da insan\u0131n sadece bir topluluk \u00fcyesi olarak de\u011fil, ayn\u0131 zamanda “tek ba\u015f\u0131na ya\u015fayabilecek \u00f6zellik ve yeteneklerle yarat\u0131lm\u0131\u015f olmas\u0131ndan” da kaynaklan\u0131r.<\/span><\/p>\n

Yani insan; bir taraftan toplu d\u00fczenin bir par\u00e7as\u0131d\u0131r ve toplumun b\u00fct\u00fcn nimetlerinden yararlanabilmektedir. Ama di\u011fer taraftan da, her fert ayr\u0131 bir varl\u0131kt\u0131r ve topluluk d\u0131\u015f\u0131nda kendi ba\u015f\u0131na ya\u015fayabilme imk\u00e2nlar\u0131na sahiptir. Belki bu \u00f6zellik, bir bak\u0131ma insan\u0131n kendi onurunu ve \u00f6zg\u00fcrl\u00fc\u011f\u00fcn\u00fc koruyabilmesi ve topluluk i\u00e7inde erime ve ki\u015fili\u011fini yitirme durumundan kurtulabilmesi bak\u0131m\u0131ndan da \u00f6nemli ve gereklidir.<\/span><\/strong><\/p>\n

Bu nedenle insanlar sadece “tam bir toplu d\u00fczen”de ya\u015fayabilecek \u00f6zelliklerle yarat\u0131lmam\u0131\u015f, bunun yan\u0131nda; tek tek ya\u015fayan canl\u0131lar\u0131n da yararl\u0131 y\u00f6nlerini alm\u0131\u015f oldu\u011fu i\u00e7in, toplu ya\u015fayan hayvanlar\u0131nkine benzer, “birlikte \u00fcretim; birlikte t\u00fcketim, her \u015fey ortak” hayaline dayanan ve ki\u015filerin ferdi h\u00fcrriyet ve haysiyetini \u00f6ld\u00fcren “Kom\u00fcnizm d\u00fczeni” insanlar aras\u0131nda kurulamaz, kurulsa da uygulanamaz. Zaten insan f\u0131trat\u0131na uygun olmad\u0131\u011f\u0131 i\u00e7in, daha bir insan \u00f6mr\u00fcn\u00fc bile doldurmadan Kom\u00fcnizm iflas etmi\u015f ve \u00e7\u00f6km\u00fc\u015ft\u00fcr.<\/span><\/strong><\/p>\n

E\u011fer insanlardaki “\u00e7al\u0131\u015fma ve \u00fcretme arzusu, ya\u015fama ve t\u00fcketme arzusundan fazla”<\/strong> olsayd\u0131, Marks’\u0131n kom\u00fcnizm hayali belki ger\u00e7ekle\u015febilirdi. Ancak \u0130lahi kudret ve hikmetin, insan\u0131 b\u00f6ylesine “ya\u015famaya ve t\u00fcketmeye istekli, \u00e7al\u0131\u015f\u0131p \u00fcretmeye kar\u015f\u0131 ise tembel”<\/strong> yaratm\u0131\u015f olmas\u0131; hem imtihan s\u0131rr\u0131na uygunlu\u011fu, hem de insanlar aras\u0131ndaki “yar\u0131\u015fma d\u00fczeni”<\/strong>ni ger\u00e7ekle\u015ftirmesi bak\u0131m\u0131ndan gereklidir. Bu yar\u0131\u015fma iste\u011fi ve \u00f6zelli\u011fi, maddi ve manev\u00ee y\u00f6nden devaml\u0131 ilerlemeyi ve yenile\u015fmeyi sa\u011flayacak, yeni karakter ve kabiliyetler ortaya \u00e7\u0131kacak ve herkes \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131n ve hak etti\u011finin kar\u015f\u0131l\u0131\u011f\u0131n\u0131 alacakt\u0131r.<\/span><\/p>\n

\u0130nsanlardaki “\u00e7al\u0131\u015fmadan kazanma, \u00fcretmeden t\u00fcketme ve yorulmadan ya\u015fama”<\/strong> arzu ve iste\u011fini, zararl\u0131 halden yararl\u0131 hale \u00e7evirmek i\u00e7in; AD\u0130L B\u0130R D\u00dcZEN ve D\u0130S\u0130PL\u0130N<\/strong>’e ihtiya\u00e7 vard\u0131r. \u0130\u015fte Adil D\u00fczen’deki “m\u00fclkiyet sistemi”<\/strong> bunu ger\u00e7ekle\u015ftirmi\u015ftir. Bu sistem “herkesin ancak \u00fcretti\u011fi kadar t\u00fcketmesi”<\/strong> esas\u0131na dayan\u0131r. Buna g\u00f6re; her fert hel\u00e2l ve me\u015fru yoldan, g\u00fcc\u00fc ve akl\u0131 yetti\u011fi kadar \u00e7al\u0131\u015f\u0131p kazanmak, yani “\u00fcretmek ve \u00e7al\u0131\u015f\u0131p \u00fcretti\u011fi kadar da t\u00fcketmek” hakk\u0131na sahip olacakt\u0131r. \u00d6yle ise kim daha iyi ya\u015famak ve daha \u00e7ok t\u00fcketmek istiyorsa, o halde daha \u00e7ok yorulmak ve daha fazla \u00fcretmek zorundad\u0131r. Hi\u00e7 kimseye “\u00fcretmeden t\u00fcketme”<\/strong> veya “\u00fcretti\u011finden daha fazla t\u00fcketme”<\/strong> hakk\u0131 ve f\u0131rsat\u0131 verilmeyecektir. Bu sistemi; d\u00fczenlemek, denetlemek ve disiplinize etmek ise Adil Devletin g\u00f6revidir.<\/span><\/p>\n

Toplumdaki her bireyin ne kadar \u00fcretti\u011fini belgeleyen ve \u00e7al\u0131\u015f\u0131p kazanarak topluma teslim etti\u011fi mal\u0131n miktar\u0131n\u0131 g\u00f6steren bir “senet”e ihtiya\u00e7 vard\u0131r ki, buna da PARA denir. Yani para; insanlara, \u00fcretti\u011fi kadar t\u00fcketme hakk\u0131 ve imk\u00e2n\u0131 sa\u011flayan ge\u00e7erli ve resmi bir belgedir.<\/span><\/strong><\/p>\n

Toplumda bu ekonomik dengenin ve Adil D\u00fczen’in korunmas\u0131 i\u00e7in “herkesin \u00fcretti\u011fi kadar t\u00fcketmesi” esas\u0131 yan\u0131nda bir kurala daha ihtiya\u00e7 vard\u0131r. O da; “\u00f6nce \u00fcretme, sonra t\u00fcketme” esas\u0131d\u0131r. \u00c7\u00fcnk\u00fc; \u00f6nce t\u00fcketip sonra \u00fcretme durumunda “bor\u00e7lu ya\u015fama” d\u00fczeni ortaya \u00e7\u0131kar ki, bu durum toplumun dengesini bozacakt\u0131r. \u00d6zellikle FA\u0130Z, bor\u00e7lu ya\u015fama d\u00fczenini do\u011furmaktad\u0131r. Faizle kredi alan ki\u015fi, hen\u00fcz \u00fcretmedi\u011fi bir mal\u0131 t\u00fcketmeye ba\u015flam\u0131\u015f say\u0131l\u0131r. Bu durum ekonomide do\u011fal dengeyi bozacakt\u0131r. Faiz ve bor\u00e7lu ya\u015fama d\u00fczeniyle bir \u00fclke; \u00f6nce kendi milli servetini t\u00fcketip harcayacak, sonra da mecburen d\u0131\u015f \u00fclkelere bor\u00e7lanmaya ba\u015flayacak ve sonunda \u00e7\u00f6z\u00fcl\u00fcp \u00e7\u00f6kmek ka\u00e7\u0131n\u0131lmaz olacakt\u0131r.<\/span><\/strong><\/p>\n

Faiz ise, insanlara “\u00fcretmeden t\u00fcketme hakk\u0131” vermektir. Daha do\u011frusu \u00e7al\u0131\u015f\u0131p \u00fcretenlerin hakk\u0131n\u0131, \u00e7e\u015fitli hilelerle al\u0131p ba\u015fkalar\u0131na pe\u015fke\u015f \u00e7ekmektir. \u00d6rne\u011fin; bankaya bir milyon koyup, y\u0131l sonunda bir bu\u00e7uk milyon alan ki\u015fi, fazladan ald\u0131\u011f\u0131 bu yar\u0131m milyonu hak edecek hi\u00e7bir \u00fcretimde bulunmam\u0131\u015ft\u0131r. Faiz olarak al\u0131nan bu yar\u0131m milyon lira, ya \u00e7al\u0131\u015farak \u00fcretenlerin hakk\u0131ndan kesilerek kendisine \u00f6denecektir ki, bu a\u00e7\u0131k\u00e7a bir zul\u00fcm ve haks\u0131zl\u0131kt\u0131r. Veya kar\u015f\u0131l\u0131ks\u0131z para bas\u0131larak kendisine verilecektir ki, bu da paran\u0131n de\u011ferini ve al\u0131m g\u00fcc\u00fcn\u00fc d\u00fc\u015f\u00fcrece\u011fi, enflasyon ve pahal\u0131l\u0131\u011f\u0131 k\u00f6r\u00fckleyece\u011finden yine haram ve haks\u0131zl\u0131kt\u0131r.<\/span><\/strong><\/p>\n

Adil ekonomideki herkesin ne kadar mal ve hizmet \u00fcretti\u011fini ve bunun kar\u015f\u0131l\u0131\u011f\u0131nda ne kadar t\u00fcketmeyi hak etti\u011fini g\u00f6steren bir senet durumundaki “sa\u011flam para” adalet ve saadetin anahtar\u0131d\u0131r.<\/span><\/strong><\/p>\n

Sa\u011flam Paran\u0131n:<\/span><\/strong><\/p>\n

1- \u00dcretmeden t\u00fcketme hakk\u0131 verilmesi demek olan FA\u0130Z uygulamas\u0131,<\/strong><\/span><\/p>\n

2- Servetten ve \u00fcretimden de\u011fil, gelirden ve \u00fccretten al\u0131nan DENGES\u0130Z VERG\u0130 haks\u0131zl\u0131\u011f\u0131,<\/strong><\/span><\/p>\n

3- Milli para de\u011ferini yabanc\u0131 paralar kar\u015f\u0131s\u0131nda devaml\u0131 d\u00fc\u015f\u00fcren, KAMB\u0130YO \u00e7arp\u0131kl\u0131\u011f\u0131,<\/strong><\/span><\/p>\n

4- Kar\u015f\u0131l\u0131ks\u0131z para basan DARPHANE anlay\u0131\u015f\u0131,<\/strong><\/span><\/p>\n

5- Halktan ucuza toplad\u0131\u011f\u0131 mevduatlar\u0131 zenginlere pompalayan BOZUK BANKA<\/strong> ve KRED\u0130 yanl\u0131\u015fl\u0131\u011f\u0131 <\/strong>gibi be\u015f ekonomik mikrobu \u00f6z\u00fcnde ta\u015f\u0131yan bu HAK \u00f6l\u00e7\u00fcs\u00fc PARA’n\u0131n; Kapitalist k\u00f6le d\u00fczenlerindeki k\u00e2\u011f\u0131t banknottan, bir di\u011fer tabirle; durdu\u011fu yerde eriyen “buz paradan”<\/strong> ve di\u011fer senet \u00e7e\u015fitlerinden \u00fcst\u00fcn farklar\u0131 \u015funlard\u0131r:<\/span><\/p>\n

a. Sa\u011flam para, asla de\u011ferini kaybetmeyen bir parad\u0131r. \u00c7\u00fcnk\u00fc para, hak \u00f6l\u00e7\u00fcs\u00fcd\u00fcr. Paran\u0131n de\u011ferini d\u00fc\u015f\u00fcrmek, hel\u00e2linden kazan\u0131lm\u0131\u015f haklara tecav\u00fczd\u00fcr. Eme\u011fe ve al\u0131n terine sayg\u0131s\u0131zl\u0131kt\u0131r. Bir nevi h\u0131rs\u0131zl\u0131k ve kalpazanl\u0131kt\u0131r.<\/span><\/strong><\/p>\n

b. Bu senedin (sa\u011flam paran\u0131n) \u00fczerinde, kar\u015f\u0131l\u0131\u011f\u0131nda hangi t\u00fcr mal\u0131n al\u0131naca\u011f\u0131 yaz\u0131lmam\u0131\u015ft\u0131r. Sadece al\u0131m g\u00fcc\u00fc miktar\u0131 yaz\u0131lan bu senetle, ki\u015fi istedi\u011fi mal\u0131 alabilecek durumdad\u0131r.<\/span><\/strong><\/p>\n

Yani para, ayn\u0131 zamanda ortak bir de\u011fer \u00f6l\u00e7\u00fcs\u00fcd\u00fcr. Asl\u0131nda para, hem ki\u015filerin “\u00fcretti\u011fine kar\u015f\u0131l\u0131k, t\u00fcketme hakk\u0131n\u0131 belgeleyen bir senet”<\/em> olmakla beraber, hem de mallar\u0131 birbiriyle kar\u015f\u0131la\u015ft\u0131r\u0131p \u00f6l\u00e7ebilen ortak bir ara\u00e7 konumundad\u0131r.<\/span><\/strong><\/p>\n

c. Paran\u0131n di\u011fer senetlerden bir fark\u0131 da kar\u015f\u0131l\u0131\u011f\u0131n\u0131n her \u00e7e\u015fit ma\u011fazadan ve istenilen cins maldan tahsil edilebilme olana\u011f\u0131d\u0131r.<\/span><\/strong><\/p>\n

d. Paran\u0131n di\u011fer bir \u00f6zelli\u011fi de \u00fczerinde \u00f6deme tarihinin bulunmamas\u0131, her zaman ve her yerde devaml\u0131 ge\u00e7erli say\u0131lmas\u0131d\u0131r.<\/span><\/strong><\/p>\n

e. Paran\u0131n di\u011fer senetlerden bir fark\u0131 da bu senedin bir kere \u00f6denmekle bitmemesi, kar\u015f\u0131l\u0131\u011f\u0131 \u00f6dendikten sonra da yine “senet ve k\u0131ymet” olarak kalmas\u0131 ve fonksiyonunu y\u00fcr\u00fctm\u00fc\u015f olmas\u0131d\u0131r.<\/span><\/strong><\/p>\n

f. Bu paran\u0131n mevcut senetlerden farkl\u0131 bir \u00fcst\u00fcnl\u00fc\u011f\u00fc ve \u00f6nemli bir \u00f6zelli\u011fi de \u015fahsa yaz\u0131l\u0131 olmamas\u0131, yani bor\u00e7lu ve alacakl\u0131n\u0131n \u00fczerine yaz\u0131lmam\u0131\u015f olmas\u0131d\u0131r. Bu senet bir nevi hamiline yaz\u0131l\u0131d\u0131r ve kim ta\u015f\u0131rsa ona ait say\u0131l\u0131r.<\/span><\/strong><\/p>\n

Yaln\u0131z \u015fu durum vard\u0131r ki, paran\u0131n \u00fczerinde \u00f6zel bor\u00e7lu ve alacakl\u0131 belirsizdir ama genelde “b\u00fct\u00fcn bor\u00e7lularla b\u00fct\u00fcn alacakl\u0131lar” bellidir, o da toplumun ve milli servetin kendisidir. Bu para kar\u015f\u0131l\u0131\u011f\u0131nda \u00f6denecek mallar ise, \u00fclke piyasas\u0131nda ve ma\u011fazalarda zaten mevcuttur. \u00c7\u00fcnk\u00fc o toplumda, ancak \u00fcretilen toplam mal kadar para bulunmaktad\u0131r. O halde, bir bak\u0131ma herkesin her parada hissesi vard\u0131r.<\/span><\/strong><\/p>\n

PARA, “\u00e7al\u0131\u015f\u0131p \u00fcretilerek topluma teslim edilen mallara kar\u015f\u0131l\u0131k al\u0131nm\u0131\u015f bir senet” oldu\u011funa g\u00f6re; \u00dclkedeki Para Miktar\u0131, \u00dclkedeki Mal Miktar\u0131na E\u015fit Olacakt\u0131r. O \u00fclkede \u00fcretilen mal \u00e7o\u011falmadan, para da \u00e7o\u011falmayacakt\u0131r. Yeni mal \u00fcretmeden, darphanede bas\u0131larak piyasaya s\u00fcr\u00fclecek yeni para, kar\u015f\u0131l\u0131ks\u0131z olaca\u011f\u0131ndan, tabiat\u0131yla mevcut paran\u0131n de\u011ferini ve al\u0131m g\u00fcc\u00fcn\u00fc d\u00fc\u015f\u00fcrecek, dolay\u0131s\u0131yla ENFLASYON, zam ve pahal\u0131l\u0131k g\u00fcndeme gelecektir.<\/span><\/strong><\/p>\n

Para gibi “ortak ve denkle\u015fmi\u015f de\u011fer \u00f6l\u00e7\u00fc birimleriyle” bir \u00fclkedeki mevcut b\u00fct\u00fcn mallar, fiyat olarak toplanabilir. \u0130\u015fte bir \u00fclkedeki b\u00fct\u00fcn mallar\u0131n para cinsinden toplam de\u011ferine M\u0130LL\u0130 SERVET denir. Milli servetin, milli paraya e\u015fit olaca\u011f\u0131 a\u00e7\u0131kt\u0131r.<\/span><\/strong><\/p>\n

Adil ekonomide fiyatlara m\u00fcdahale edilemeyecek, serbest fiyat esas al\u0131nacakt\u0131r. \u015e\u00f6yle ki; toplumda t\u00fcketilen ve ihtiya\u00e7 duyulan mallar azal\u0131nca, haliyle bunlar\u0131n fiyat\u0131 y\u00fckselecektir. Bunun \u00fczerine o mal\u0131 \u00fcretenler \u00e7o\u011falacak veya o cins mallar\u0131n \u00fcretimi artacak, bunun sonucu giderek talep azalaca\u011f\u0131ndan fiyatlar da normale d\u00fc\u015fecektir. Fiyat ucuzlay\u0131nca, yeniden talep ve t\u00fcketim artacak, b\u00f6ylece arz ve talep, (\u00fcretim ve t\u00fcketim) durumuna g\u00f6re kendili\u011finden olu\u015fan bir fiyat dengesi kurulmu\u015f ve korunmu\u015f olacakt\u0131r. Adil D\u00fczen’de fiyatlar\u0131 y\u00fckseltmek i\u00e7in, “\u00fcretilen ihtiya\u00e7 fazlas\u0131 mallar\u0131n imhas\u0131na” veya piyasadaki mal\u0131 toplay\u0131p depolamak suretiyle sun’i bir yokluk ve pahal\u0131l\u0131k meydana getirmek \u015feklindeki ihtik\u00e2ra, asla izin verilmeyece\u011fi i\u00e7in ve de para, de\u011feri d\u00fc\u015fmeyen sa\u011flam para oldu\u011fu i\u00e7in, haz\u0131r mal\u0131 olan bunu bekletmektense paraya \u00e7evirmeyi tercih edece\u011finden, tabii bir denge ve deveran s\u00fcr\u00fcp gidecektir. Ancak bug\u00fcnk\u00fc gibi paran\u0131n devaml\u0131 de\u011fer kaybetti\u011fi bir \u00fclkede ise, kimse \u00f6zellikle dayan\u0131kl\u0131 t\u00fcketim mallar\u0131n\u0131 sat\u0131p paraya \u00e7evirmeye istekli olmayacakt\u0131r. \u00c7\u00fcnk\u00fc bekledik\u00e7e mal k\u0131ymetlenmekte, paran\u0131n ise her g\u00fcn de\u011feri d\u00fc\u015fmektedir.<\/span><\/p>\n

B\u00f6yle bir ortamda kimse kimseye bor\u00e7 para vermedi\u011fi gibi, bug\u00fcnk\u00fc fiyatla bor\u00e7 (veresiye) mal da vermeyecektir. Dolay\u0131s\u0131yla faiz ve vade fark\u0131 g\u00fcndeme gelecek, bunlar da daha beter felaketlerin sebebi olacakt\u0131r.<\/span><\/p>\n

\u00a0<\/p>\n

\n

[1]<\/a> Bak. Adana Milletvekili Burhanettin Bulut. Yaz\u0131l\u0131 a\u00e7\u0131klamas\u0131 – 19 Eyl\u00fcl 2022<\/span><\/p>\n

\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"

\u00a0 SN. S\u00dcLEYMAN ATE\u015e, ATE\u015eTEN SAKIN! Banka Faizleri En Katmerli Zul\u00fcm ve S\u00f6m\u00fcr\u00fc Arac\u0131d\u0131r! \u00a0\u00a0\u00a0\u00a0 El\u00e2z\u0131\u011f Yerel Televizyonu Kanal 23’te (12 Temmuz 2023) “Ayr\u0131nt\u0131” program\u0131na konuk olan Sn. S\u00fcleyman Ate\u015f bir soru \u00fczerine: “Hz. Peygamberimiz d\u00f6nemindeki R\u0130BA ile bug\u00fcnk\u00fc Banka faizinin ayn\u0131 olmad\u0131\u011f\u0131n\u0131, Kur’an’da R\u0130BA’n\u0131n yasakland\u0131\u011f\u0131n\u0131” s\u00f6yleyerek, dolayl\u0131 \u015fekilde bug\u00fcnk\u00fc faizci banka sistemini me\u015frula\u015ft\u0131r\u0131c\u0131 bir […]<\/p>\n","protected":false},"author":13,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[98],"tags":[],"class_list":["post-11703","post","type-post","status-publish","format-standard","hentry","category-ozel-yazilar"],"_links":{"self":[{"href":"https:\/\/www.millicozum.com\/mc\/wp-json\/wp\/v2\/posts\/11703","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.millicozum.com\/mc\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.millicozum.com\/mc\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.millicozum.com\/mc\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/www.millicozum.com\/mc\/wp-json\/wp\/v2\/comments?post=11703"}],"version-history":[{"count":0,"href":"https:\/\/www.millicozum.com\/mc\/wp-json\/wp\/v2\/posts\/11703\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.millicozum.com\/mc\/wp-json\/wp\/v2\/media?parent=11703"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.millicozum.com\/mc\/wp-json\/wp\/v2\/categories?post=11703"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.millicozum.com\/mc\/wp-json\/wp\/v2\/tags?post=11703"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}