\u0130ngiltere \u0130slam Bankas\u0131 y\u00f6neticisi \u015eahir Abbas:<\/p>\n
“K\u00fcresel krizin sebebi faizdir” uyar\u0131s\u0131 yap\u0131yor<\/strong><\/p>\n “Ya\u015fanan k\u00fcresel krizin ba\u015fl\u0131ca sorunu faizdir. Faiz \u00fcretimi \u00f6ld\u00fcr\u00fcr ve \u00e7ok az bir az\u0131nl\u0131\u011f\u0131n daha da zenginle\u015fmesini sa\u011flar. Bu kriz, \u0130slam bankac\u0131l\u0131k sisteminin de\u011fil, faizci bankac\u0131l\u0131k sisteminin \u00fcr\u00fcn\u00fcd\u00fcr. G\u00fcven bunal\u0131m\u0131na d\u00fc\u015fenler de onlar oldu. \u0130slam bankac\u0131l\u0131k sistemi h\u00e2l\u00e2 g\u00fcvenilirlili\u011fini s\u00fcrd\u00fcr\u00fcyor, hatta bu ya\u015fananlar bu g\u00fcvenilirlili\u011fi daha da per\u00e7inliyor.”<\/p>\n <\/p>\n Ad\u0131 “Islamic Bank Of Britain (IBB)” olan \u0130ngiltere \u0130slam Bankas\u0131, Avrupa Birli\u011fi i\u00e7inde geni\u015f kapsaml\u0131 \u0130slami tasarruf hizmetleri sunan bir bankad\u0131r. \u0130ngiltere \u0130slam Bankas\u0131 y\u00f6neticisi Hukuk Dan\u0131\u015fman\u0131 \u015eahir Abbas, El- M\u00fcctema dergisine yapt\u0131\u011f\u0131 a\u00e7\u0131klamada: “bankalar\u0131yla, \u0130ngiltere’de bankac\u0131l\u0131k sahas\u0131ndaki hizmet y\u00fck\u00fcn\u00fc hafiflettiklerini” belirterek, “faydal\u0131 \u00e7al\u0131\u015fmalar\u0131n\u0131n di\u011fer Avrupa \u00fclkelerinde de fark edildi\u011fini, bundan dolay\u0131 h\u0131zla Avrupa’da yay\u0131lmaya ba\u015flad\u0131klar\u0131n\u0131 hat\u0131rlatarak; \u0130slam Bankas\u0131n\u0131n Avrupa’da emlak\u00e7\u0131l\u0131k alan\u0131nda a\u011f\u0131rl\u0131kl\u0131 \u00e7al\u0131\u015fmalarda bulundu\u011funu vurgulam\u0131\u015ft\u0131r. 2006 y\u0131l\u0131nda \u0130ngiltere’de yap\u0131lan ara\u015ft\u0131rmalardan \u00e7\u0131kan sonu\u00e7lara g\u00f6re, en iyi tasarruf bankas\u0131 olarak \u0130slam bankas\u0131n\u0131n \u00e7\u0131kt\u0131\u011f\u0131na dikkat \u00e7eken \u015eahir Abbas ile yap\u0131lan s\u00f6yle\u015fiyi a\u015fa\u011f\u0131da sunuyoruz:<\/p>\n \u0130slam Bankas\u0131n\u0131 tesis ederken baz\u0131 engellerle kar\u015f\u0131la\u015ft\u0131n\u0131z. Bu engeller neydi?<\/strong><\/p>\n Ba\u015flang\u0131\u00e7ta birka\u00e7 sorunla kar\u015f\u0131la\u015ft\u0131k, ama hamdolsun bu sorunlar\u0131 a\u015ft\u0131k. Bu sorunlar\u0131n ba\u015f\u0131nda kanuni engel vard\u0131. Nakdi para \u00fczerindeki sigorta kanunu bunlar\u0131n ba\u015f\u0131ndayd\u0131. Herhangi bir zarara kar\u015f\u0131 hesap a\u00e7an mudilere teminat verilerek bu sorun halledildi. \u0130kinci bir sorun da, vergilendirme gibi \u0130slami hesap sistemiyle \u00e7ak\u0131\u015fmalard\u0131. \u0130ngiltere y\u00f6netimi \u0130slami bankalar\u0131n i\u015fini kolayla\u015ft\u0131rmak i\u00e7in bu sahada gerekli kanuni de\u011fi\u015fiklikleri yapt\u0131. Burada yeri gelmi\u015fken \u0130ngiltere y\u00f6netimini bu \u00fclkeye \u0130slam banka sistemini dahil etmek i\u00e7in yo\u011fun gayret g\u00f6sterdiklerini teslim ve tebrik etmemiz laz\u0131md\u0131r. Kar\u015f\u0131l\u0131kl\u0131 \u00e7al\u0131\u015fmalar olmasayd\u0131, farkl\u0131 sistemler aras\u0131ndaki \u00e7ak\u0131\u015fma ve uyumsuzluklar halledilemez, \u0130slam bankac\u0131l\u0131\u011f\u0131 sa\u011fl\u0131kl\u0131 \u00e7al\u0131\u015fma zemini bulamazd\u0131.<\/p>\n Ya\u015fanan k\u00fcresel ekonomik krizden \u0130slam bankac\u0131l\u0131\u011f\u0131 etkilendi mi?<\/strong><\/p>\n Biz d\u00fcnya sisteminin bir par\u00e7as\u0131y\u0131z. Bundan dolay\u0131 da d\u00fcnyan\u0131n k\u00f6t\u00fc gidi\u015fat\u0131ndan bizim de etkilenmemiz \u00e7ok do\u011fald\u0131r. Ancak di\u011fer bankac\u0131l\u0131k sistemleriyle k\u0131yasland\u0131\u011f\u0131nda; bizim bankam\u0131z bundan en az zararla \u00e7\u0131km\u0131\u015ft\u0131r. \u00c7\u00fcnk\u00fc ya\u015fanan krizin do\u011frudan muhataplar\u0131 olmam\u0131\u015ft\u0131r. Bu kriz, \u0130slam bankac\u0131l\u0131k sisteminin de\u011fil, faizci bankac\u0131l\u0131k sisteminin sonu\u00e7lar\u0131d\u0131r. G\u00fcven bunal\u0131m\u0131na d\u00fc\u015fenler de onlar oldu. \u0130slam bankac\u0131l\u0131k sistemi h\u00e2l\u00e2 g\u00fcvenilirlili\u011fini s\u00fcrd\u00fcr\u00fcyor, hatta bu ya\u015fananlar bu g\u00fcvenilirlili\u011fi daha da per\u00e7inledi\u011finden, g\u00fcvenilirlili\u011fini daha da art\u0131rd\u0131. Art\u0131k Bat\u0131l\u0131 bir\u00e7ok iktisat\u00e7\u0131 \u0130slam Bankac\u0131l\u0131k sistemine dikkatlerini y\u00f6neltmi\u015f durumdad\u0131r. \u0130slam Bankac\u0131l\u0131k sisteminin g\u00fczelliklerinden yararlanmak i\u00e7in yo\u011fun bir gayret ba\u015flam\u0131\u015ft\u0131r.<\/p>\n \u0130slam bankac\u0131l\u0131\u011f\u0131na g\u00fcven her ge\u00e7en g\u00fcn art\u0131yor<\/strong><\/p>\n “\u0130slami bankac\u0131l\u0131k sisteminin g\u00fcvenilirlili\u011finin daha da per\u00e7inlendi\u011fini ve faizli bankac\u0131l\u0131\u011f\u0131n g\u00fcven kaybetti\u011fini” neye dayanarak \u00f6ne s\u00fcrmektesiniz?<\/strong><\/p>\n En a\u00e7\u0131k ispat\u0131; ya\u015fanan krizden ders alan \u0130ngiltere y\u00f6netimi k\u0131sa d\u00f6nemli sat\u0131\u015f denen “Short Selling” sisteminden vazge\u00e7erek bu uygulamay\u0131 kald\u0131rd\u0131. Bu uygulamada bir hisseyi, ona malik olmadan satabiliyordunuz. \u0130slam sistemindeki: “Malik olunmayan bir mal\u0131n sat\u0131lmas\u0131 haramd\u0131r” kural\u0131 esas al\u0131narak bu d\u00fczenleme yap\u0131lm\u0131\u015ft\u0131r.<\/p>\n Faizcilik sisteminde as\u0131l kazananlar komisyonculard\u0131r<\/strong><\/p>\n Bu s\u00f6yledi\u011finiz \u015fekilde al\u0131m-sat\u0131m yapan \u00f6zel kurulu\u015flar g\u00f6sterilebilir mi?<\/strong><\/p>\n Tabii ki. Bu \u015fekilde i\u015f yapan \u00e7ok ama \u00e7ok b\u00fcy\u00fck kurulu\u015flar, \u015firketler var. Komisyoncular arac\u0131l\u0131\u011f\u0131yla m\u00fc\u015fterileriyle i\u015f yap\u0131yorlar. Zaten bu yolun en belirgin \u00f6zelli\u011fi: \u00fcreticileri temsil eden arac\u0131lar vas\u0131tas\u0131yla i\u015flerin yap\u0131lmas\u0131d\u0131r. Arac\u0131lar \u00f6nce mal\u0131 \u00f6d\u00fcn\u00e7 al\u0131yorlar, daha sonra bu mal \u00fczerinden al\u0131\u015f-sat\u0131\u015f yap\u0131yorlar.<\/p>\n \u0130slam bankac\u0131l\u0131k sistemine y\u00f6nelik insanlar\u0131n yakla\u015f\u0131m\u0131nda bir de\u011fi\u015fiklik g\u00f6zlendi mi?<\/strong><\/p>\n \u0130slami bankalarla i\u015f yapmakta bir\u00e7ok insan\u0131n teredd\u00fcd\u00fc vard\u0131. Mallar\u0131n\u0131n kaybolmas\u0131ndan, zarar etmekten korkuyorlard\u0131. Ancak bu korku ve teredd\u00fctlerin yersiz oldu\u011funu bug\u00fcn daha iyi anlamalar\u0131 neticesinde, art\u0131k insanlar paralar\u0131n\u0131 \u0130slam bankac\u0131l\u0131\u011f\u0131nda de\u011ferlendirmek ve kazanmak \u00fczere bize ba\u015fvuruyorlar. \u00c7\u00fcnk\u00fc \u0130slami bankac\u0131l\u0131k; sistem olarak \u0130slam’\u0131n temel esaslar\u0131 \u00fczerine, ama mevcut yap\u0131 ise faizle i\u015f yap\u0131yor. Bu y\u00fczden, bor\u00e7 para \u00fczerinden k\u00e2r talep ediyor. Biz bor\u00e7lanma de\u011fil hissedar olma, ortak olma \u00fczerinden i\u015f yap\u0131yoruz.<\/p>\n Ya\u015fanan k\u00fcresel ekonomik krizin tek sebebinin faizcilik oldu\u011funu s\u00f6yleyebilir misiniz?<\/strong><\/p>\n Kesinlikle evet. Ya\u015fanan k\u00fcresel krizin ba\u015fl\u0131ca sorunu Faizdir. Bunun en b\u00fcy\u00fck delili de ilk olarak ABD’de ba\u015flayan bu bankac\u0131l\u0131kta ya\u015fanan \u00e7\u00f6k\u00fc\u015ft\u00fcr. \u00c7\u00fcnk\u00fc faiz \u00fcretimi \u00f6ld\u00fcr\u00fcr ve \u00e7ok az bir az\u0131nl\u0131\u011f\u0131n daha da zenginle\u015fmesini sa\u011flar. Bankalar f\u0131rsat yakalad\u0131klar\u0131 d\u00fc\u015f\u00fcncesiyle, emlak\u00e7\u0131l\u0131k alan\u0131nda \u00f6d\u00fcn\u00e7 alma usul\u00fcyle, hesaps\u0131z i\u015flere girdiler ve b\u00fcy\u00fck krediler verdiler. Sonu\u00e7ta \u00f6d\u00fcn\u00e7 al\u0131nanlarla bu i\u015flerin yap\u0131lmas\u0131 sorunlara yol a\u00e7m\u0131\u015ft\u0131. Bunlar\u0131n sonunda \u00fcretim d\u00fc\u015ft\u00fc, emlak fiyatlar\u0131nda art\u0131\u015f oldu, bu da d\u00f6nd\u00fc dola\u015ft\u0131, bunlara sebep olanlar\u0131 vurdu. Batan bankay\u0131 kurtarmaya \u00e7al\u0131\u015fan bankalar da batman\u0131n e\u015fi\u011fine gelip t\u0131kanm\u0131\u015ft\u0131. Bu bankalar k\u0131rm\u0131z\u0131 alarm vermesiyle Avrupa bankalar\u0131 da kriz sinyalleri vermeye ba\u015flam\u0131\u015ft\u0131. Bunlara sebep olan faizcili\u011fin ne t\u00fcr bir \u015fey oldu\u011fu anla\u015f\u0131l\u0131rken, faizsiz sistem aray\u0131\u015flar\u0131 da, faizsiz \u0130slam Ekonomi sistemine geldi dayand\u0131. Bu Allah’\u0131n insanl\u0131k yarar\u0131na olan \u015feyi yasaklamayaca\u011f\u0131n\u0131 bir kez daha ispatlanm\u0131\u015ft\u0131.<\/p>\n Amerika \u0130slami Finans\u0131 \u00f6\u011freniyor<\/strong><\/p>\n ABD Hazine Bakanl\u0131\u011f\u0131’n\u0131n, bankac\u0131l\u0131k d\u00fczenleme kurumlar\u0131na, Kongre’ye ve di\u011fer ilgililere “\u0130slami finans” \u00f6\u011fretece\u011fini a\u00e7\u0131klamas\u0131, tart\u0131\u015fmalara yol a\u00e7m\u0131\u015ft\u0131.<\/p>\n “WorldNetDaily” sitesi ABD Hazine Bakanl\u0131\u011f\u0131’n\u0131n “\u0130slami Finans” siyasetinin yayg\u0131nla\u015ft\u0131r\u0131lmas\u0131 i\u00e7in fon ay\u0131raca\u011f\u0131n\u0131 a\u00e7\u0131klam\u0131\u015ft\u0131. Amerikan Hazine Bakanl\u0131\u011f\u0131’n\u0131n bankac\u0131l\u0131k d\u00fczenleme kurumlar\u0131na, Kongre’ye ve di\u011fer y\u00f6netici seviyesindekilere “\u0130slami finans” sistemini \u00f6\u011fretece\u011fini a\u00e7\u0131klamas\u0131n\u0131n tart\u0131\u015fmalara neden oldu\u011fu anla\u015f\u0131lm\u0131\u015ft\u0131. Ele\u015ftirmenler, “\u0130slami a\u015f\u0131r\u0131 ucun finansman\u0131 i\u00e7in, Amerika’n\u0131n da kap\u0131 a\u00e7t\u0131\u011f\u0131n\u0131” \u00f6ne s\u00fcr\u00fcp kar\u015f\u0131 \u00e7\u0131km\u0131\u015ft\u0131.<\/p>\n \u0130slami Finans, umut kap\u0131s\u0131 oluyor<\/strong><\/p>\n Duyuruya g\u00f6re, “\u0130slami Finans 101” forumu, “k\u00fcresel finans end\u00fcstrisinin s\u00fcrekli artan bir par\u00e7as\u0131 haline gelen \u0130slami finans servisleri hakk\u0131nda, y\u00f6neticileri bilgilendirmeye yard\u0131mc\u0131 olmak” i\u00e7in haz\u0131rlanm\u0131\u015ft\u0131.<\/p>\n Hazine Bakanl\u0131\u011f\u0131 etkinli\u011fi koordine etmek i\u00e7in Harvard \u00dcniversitesi \u0130slami Finans Projesi’yle ortak \u00e7al\u0131\u015facakt\u0131. Bakanl\u0131k, seminere 100 ki\u015finin kat\u0131l\u0131m\u0131n\u0131n beklendi\u011fini a\u00e7\u0131klam\u0131\u015ft\u0131.<\/p>\n Konu\u015fmac\u0131lar aras\u0131ndaki baz\u0131 isimler \u015funlard\u0131: Hazine Bakan\u0131 Henry Paulson’un dan\u0131\u015fman\u0131 Hazine Yard\u0131mc\u0131s\u0131 Neel Kashkar; Harvard \u0130\u015fletme Profes\u00f6r\u00fc Samuel Hayes; Rice \u00dcniversitesi’nde \u0130slami ekonomi, finans ve y\u00f6netim Dekan\u0131 ve Hazine Bakan\u0131 \u0130slami finans dan\u0131\u015fman\u0131 Mahmut el-Cemal; New York Federal Rezerv Bankas\u0131’ndan Sarah Bell; \u015eeriat dan\u0131\u015fman\u0131 ve \u0130slam alimi Yusuf Talal DeLorenzo; Amerikan Barolar Birli\u011fi \u0130slami Hukuk Forumu Ba\u015fkan\u0131 ve \u0130slami finans profes\u00f6r\u00fc Michael McMillan; Dow Jones \u0130slami Piyasalar Endeksi K\u00fcresel Direkt\u00f6r\u00fc ve \u0130slami finans\u0131n kuvvetli sunucusu R\u00fc\u015ft\u00fc S\u0131dd\u0131ki.<\/p>\n \u0130slami finans; “\u015eeriata”, yani \u0130slami kurallara uygun bankac\u0131l\u0131k sistemi olmaktayd\u0131. Sayg\u0131nl\u0131\u011f\u0131 ve yayg\u0131nl\u0131\u011f\u0131 s\u00fcrekli artarak, 2007 ortas\u0131nda 800 milyar dolara ula\u015fm\u0131\u015ft\u0131. Ve her sene y\u00fczde 15 b\u00fcy\u00fcmesi b\u00fcy\u00fck bir ba\u015far\u0131yd\u0131. Wall Street’de bile bug\u00fcn “\u0130slami kar\u015f\u0131l\u0131kl\u0131 fonu ve \u0130slami endeks” yer almaktayd\u0131. Ancak baz\u0131 ele\u015ftirmenler, Amerikan kar\u015f\u0131t\u0131 ter\u00f6ristlerin s\u0131kl\u0131kla ABD yat\u0131r\u0131mlar\u0131yla finanse edildi\u011fini ileri s\u00fcr\u00fcp bu geli\u015fmelere so\u011fuk bakmaktayd\u0131.<\/p>\n “D\u00fc\u015fmana yard\u0131m” safsatas\u0131yla, \u0130slam’\u0131 d\u00fc\u015fman g\u00f6rd\u00fckleri itiraf ediliyor!<\/strong><\/p>\n ABD Hazine Bakanl\u0131\u011f\u0131’n\u0131n a\u00e7\u0131klamas\u0131 bir\u00e7ok Amerikal\u0131 yazar\u0131 ve \u00f6zelikle Siyonist Yahudi sermayedar\u0131 \u00e7ileden \u00e7\u0131karm\u0131\u015ft\u0131. Bunlar, \u0130slami Bankac\u0131l\u0131\u011f\u0131n\u0131n desteklenmesinin; “Radikal dini gruplar\u0131n desteklenmesi” anlam\u0131na gelece\u011fi iddias\u0131n\u0131 ortaya atm\u0131\u015ft\u0131. “Finansal Cihat: Amerikal\u0131lar\u0131n Bilmesi Gerekenler” adl\u0131 makalesinde; G\u00fcvenlik Politika Merkezi Ba\u015fkan\u0131 Christopher Holton \u015funlar\u0131 s\u00f6yl\u00fcyordu: “Amerika ter\u00f6rle sava\u015fta finansal sava\u015f\u0131 kaybediyor, \u00e7\u00fcnk\u00fc Wall Street bir taraftan d\u00fc\u015fman\u0131n fesat ideolojisine sar\u0131l\u0131yor, \u00f6te yandan ter\u00f6rizmin devlet destek\u00e7ilerine kurumsal hayat deste\u011fi sa\u011fl\u0131yor.<\/strong><\/p>\n Holton, \u0130slami finans, ya da “\u015eeriat’a uygun Finans” i\u00e7in ABD’ye s\u0131zmaya \u00e7al\u0131\u015fan “modern zaman Truva At\u0131” ifadesini kullan\u0131yordu. M\u00fcsl\u00fcmanlar\u0131n hayatlar\u0131n\u0131n her alan\u0131n\u0131 d\u00fczenleyen orta \u00e7a\u011f doktrini olan \u015eeriat’\u0131 me\u015frula\u015ft\u0131rmak istedi\u011fi i\u00e7in, ABD’yi tehdit etti\u011fini ve Amerikan sistemini de\u011fi\u015ftirebilece\u011fini s\u00f6yl\u00fcyordu.<\/strong><\/p>\n “\u015eeriata uygun finans ana ak\u0131m haline geliyor, \u00e7\u00fcnk\u00fc Amerikal\u0131 bankalar ve yat\u0131r\u0131mc\u0131lar Orta Do\u011fu’daki petrol k\u00e2rlar\u0131ndan kazan\u00e7 ar\u0131yor” diye yak\u0131n\u0131yordu. Baz\u0131 savunucular; \u0130slami finans\u0131n alkol, t\u00fct\u00fcn, porno, kumar ve hatta domuz \u00fcr\u00fcnleri satan ya da destekleyen firmalara yat\u0131r\u0131m\u0131 yasaklad\u0131\u011f\u0131 i\u00e7in sosyal sorumluluk ta\u015f\u0131d\u0131\u011f\u0131n\u0131 s\u00f6yl\u00fcyordu.<\/strong><\/p>\n Ancak \u0130slami finans kurumlar\u0131, end\u00fcstri i\u015ftiraklerinden, \u015eeriat kaidelerine sad\u0131k kalmas\u0131n\u0131 zorunlu k\u0131l\u0131yor. Nasser S\u00fcleyman’\u0131n “\u0130slami Bankac\u0131l\u0131kta Kurumsal Y\u00f6netimi”ne g\u00f6re “Her \u015feyden \u00f6nce ve \u00f6zellikle \u0130slami organizasyon Allah’a hizmet etmelidir. Temel amac\u0131: kolektif ahlak\u0131 ve ruhi olgunla\u015fmay\u0131 sa\u011flamaya y\u00f6neliktir. Mal ile hizmet \u00fcretimi birle\u015ftirilerek hayat\u0131n adil \u015feklinin olgunla\u015fmas\u0131yla sonu\u00e7lanacak kendine \u00f6zg\u00fc kurumsal bir k\u00fclt\u00fcr geli\u015ftirmelidir.”<\/strong><\/p>\n \u0130ran, Suudi Arabistan ve Sudan gibi y\u00fczde 100 \u015eeriat’la y\u00f6netilen \u00fclkelerin d\u00fcnyadaki en k\u00f6t\u00fc insan haklar\u0131na sahip oldu\u011funu iddia eden Yahudi Holton, “Bu nedenle Amerikal\u0131lar\u0131n \u015eeriat’la ilgili herhangi bir \u015feye \u015fiddetle kar\u015f\u0131 koymal\u0131d\u0131r” diye yaz\u0131yordu.<\/strong><\/p>\n “\u0130slami bankac\u0131l\u0131k radikalleri finanse ediyor” hik\u00e2yesi uyduruluyor<\/strong><\/p>\n “\u0130slami Finans ya da \u0130slamc\u0131l\u0131\u011f\u0131 Finans Etmek” adl\u0131 makalesinde Alex Alexiev ise; ABD Hazine Bakanl\u0131\u011f\u0131n\u0131 \u00e7ok a\u011f\u0131r bir dille ele\u015ftiriyordu.<\/strong><\/p>\n Ek olarak; “\u015eeriat kanunu M\u00fcsl\u00fcmanlar\u0131n senelik kazan\u00e7lar\u0131n\u0131n y\u00fczde 2,5’u\u011funu cihat edenler dahil hay\u0131r kurumlar\u0131na ba\u011f\u0131\u015flamay\u0131 farz k\u0131l\u0131yor. 400 Banka b\u00f6ylesi yard\u0131m kurumlar\u0131na s\u00fcrekli ba\u011f\u0131\u015f yapt\u0131\u011f\u0131nda finansal toplamlar korkun\u00e7 boyutlara ula\u015fabilir” diyen Alexiev:<\/strong><\/p>\n “E\u011fer Bat\u0131l\u0131 Bankalar \u015eeriat’\u0131 desteklerlerse, “sonlar\u0131n\u0131n, Lenin’in s\u00f6yledi\u011fi zavall\u0131lardan ya da \u0130slamc\u0131lardan daha da k\u00f6t\u00fc” olaca\u011f\u0131n\u0131 s\u00f6yl\u00fcyor ve ekliyordu: “\u0130slami prensiplere g\u00f6re \u00e7al\u0131\u015fan bankac\u0131l\u0131k sistemine yard\u0131m etmek, Bat\u0131 medeniyetine sava\u015f a\u00e7mak demektir.”<\/strong><\/p>\n ABD’de krize kar\u015f\u0131 son re\u00e7ete; \u0130slami bankac\u0131l\u0131\u011fa s\u0131\u011f\u0131n\u0131yor!<\/strong><\/p>\n K\u00fcresel krizden kurtulma pe\u015findeki ABD’nin son silah\u0131 yeni bir faiz indirimlerine ba\u015fvurmak oluyor. ABD’deki baz\u0131 finans uzmanlar\u0131 ise faizleri bu kadar a\u015fa\u011f\u0131 \u00e7ekmi\u015fken “Faizsiz bankac\u0131l\u0131\u011f\u0131n” tart\u0131\u015f\u0131lmas\u0131 gerekti\u011fini savunuyor.<\/p>\n FED faizleri y\u0131ll\u0131k y\u00fczde 2 d\u00fczeyine kadar indirdi ancak, as\u0131l hedef ABD’de y\u0131ll\u0131k faizi y\u00fczde 1 hatta daha alt\u0131na indirmekti. FED’in bu plan\u0131n\u0131n tutmas\u0131 i\u00e7in \u00f6ncelikle bundan sonra da en az 1 puanl\u0131k indirim yaparak borsalara hayat \u00f6p\u00fcc\u00fc\u011f\u00fc vermesi gerekiyor.<\/p>\n Suudi Arabistan’da “\u0130slami Bankac\u0131l\u0131k” inceleniyor<\/strong><\/p>\n \u015eimdi ABD’de finans uzmanlar\u0131 y\u00fckselen \u0130slami finanstan pay alabilmek i\u00e7in kollar\u0131 s\u0131vam\u0131\u015f g\u00f6r\u00fcn\u00fcyor. ABD Hazine Bakanl\u0131\u011f\u0131’n\u0131n ikinci adam\u0131, M\u00fcste\u015far Robert Kimmitt de bu ama\u00e7la Suudi Arabistan’\u0131 ziyaret ediyor. Kimmit, burada yapt\u0131\u011f\u0131 a\u00e7\u0131klamalarda “ABD y\u00f6netiminin, k\u00fcresel finansal krizle m\u00fccadelede ne \u00f6l\u00e7\u00fcde yararl\u0131 olabilece\u011fini belirlemek” amac\u0131yla “\u0130slami Bankac\u0131l\u0131\u011f\u0131”n\u0131 ba\u015fl\u0131ca y\u00f6nleriyle inceledi\u011fini belirtiyor.<\/p>\n G-20 Zirvesinde \u0130slami Bankac\u0131l\u0131k konu\u015fulabiliyor.<\/strong><\/p>\n T\u00fcrkiye’nin de kat\u0131l\u0131m\u0131yla 15 Kas\u0131m’da Washington’da yap\u0131lan G-20 zirvesinin ajandas\u0131n\u0131n titizlikle haz\u0131rland\u0131\u011f\u0131n\u0131, \u00e7\u00fcnk\u00fc bir g\u00fcn i\u00e7erisinden \u00e7ok \u00f6nemli konular\u0131n konu\u015fulaca\u011f\u0131n\u0131 hat\u0131rlatan Kimmit, “Bu g\u00fcndemde \u0130slami bankac\u0131l\u0131k olacak m\u0131, olmayacak m\u0131 bilmiyorum, ancak bu konu kamu ve \u00f6zel sekt\u00f6rlerde konu\u015fuluyor” demi\u015fti. Ayr\u0131ca, ABD Hazine Bakanl\u0131\u011f\u0131’ndaki uzmanlar\u0131n \u0130slami bankac\u0131l\u0131\u011f\u0131n\u0131n \u00f6nemli \u00f6zelliklerini halihaz\u0131rda \u00f6\u011frenmeye \u00e7al\u0131\u015ft\u0131klar\u0131n\u0131 kaydetmi\u015fti.<\/p>\n \u0130slami Bankac\u0131l\u0131k deneyimlerinden faydalan\u0131l\u0131yor.<\/strong><\/p>\n Yine de Kimmit, \u00fclkesinin farkl\u0131 h\u00fck\u00fcmetler ve merkez bankalar\u0131n\u0131n ekonomik konularla ba\u015fa \u00e7\u0131kmakla ilgili aktivitelerine odakland\u0131\u011f\u0131n\u0131 eklemi\u015fti. Kimmit, G-20 \u00fclkeleri aras\u0131nda, \u0130ngiltere’nin yan\u0131nda Endonezya ve T\u00fcrkiye gibi M\u00fcsl\u00fcman \u00fclkelerin 10 senedir var olduklar\u0131n\u0131 i\u015faret ederek bu \u00fclkelerden temsilcilerin var olan kriz \u0131\u015f\u0131\u011f\u0131nda \u0130slami bankac\u0131l\u0131k deneyimlerinin aktarabilece\u011fini s\u00f6ylemi\u015fti.<\/p>\n K\u00fcresel kriz \u0130slami finansa dokunam\u0131yor.<\/strong><\/p>\n 2009’da 1 trilyon dolar b\u00fcy\u00fckl\u00fc\u011fe ula\u015fmas\u0131 beklenen \u0130slami finans sistemi, t\u00fcm d\u00fcnyay\u0131 saran finansal krizden en az etkilenen sekt\u00f6r olmu\u015ftu.<\/p>\n K\u00fcresel krizde bir\u00e7ok klasik banka iflasa giderken ve sallan\u0131rken, \u0130slami finans end\u00fcstrisi bu y\u0131k\u0131mdan b\u00fcy\u00fck \u00f6l\u00e7\u00fcde kurtuldu. Malezya Merkez Bankas\u0131 Ba\u015fkan\u0131 Zeti Aktar Aziz, AFP’ye yapt\u0131\u011f\u0131 a\u00e7\u0131klamada, “\u015eu ana kadar \u0130slami bankalar, zor k\u00fcresel finansal \u00e7evreye ra\u011fmen art\u0131da kalmay\u0131 ba\u015fard\u0131lar” ifadesini kullan\u0131yordu.<\/p>\n ABD, d\u00f6rd\u00fcnc\u00fc b\u00fcy\u00fck yat\u0131r\u0131m bankas\u0131 Lehman Brothers’in iflas\u0131ndan sonra finansal bir krize yuvarl\u0131yor, bunun yaratt\u0131\u011f\u0131 domino etkisi t\u00fcm d\u00fcnyada klasik bankalarda kredi s\u0131k\u0131\u015fmas\u0131na neden oluyordu. Bat\u0131 h\u00fck\u00fcmetleri s\u0131k\u0131nt\u0131da bankalara kredi ak\u0131\u015f\u0131n\u0131 sa\u011flama almak ve komple finansal erimeyi engellemek i\u00e7in milyarlarca dolar ak\u0131t\u0131yordu.<\/p>\n Kuveyt Finans Evi’nin yay\u0131nlad\u0131\u011f\u0131 son raporda, “Var olan finansal karga\u015fada, klasik banka ve finansal kurumlar\u0131n yaratt\u0131\u011f\u0131 pisli\u011fin b\u00fcy\u00fck bir k\u0131sm\u0131n\u0131 \u0130slami finans\u0131n \u00f6nlemi\u015f olabilece\u011fini s\u00f6yleyebiliriz. \u0130slami finans\u0131n genel yap\u0131s\u0131 parlakt\u0131r ve klasik bankac\u0131l\u0131k sistem i\u015f modelini yeniden de\u011ferlendirirken b\u00fcy\u00fck projelere kaynak sa\u011flamada liderli\u011fi alacakt\u0131r” iddialar\u0131 dikkat \u00e7ekiyordu.<\/p>\n \u0130slami bankac\u0131l\u0131k ve finans\u0131n kurallar\u0131; d\u00fcnyay\u0131 pen\u00e7esine d\u00fc\u015f\u00fcren \u015fu anki felakettin nas\u0131l \u00f6nlenebilece\u011fine dair bir k\u0131lavuz gibi g\u00f6r\u00fcl\u00fcyordu.<\/p>\n \u0130slam; M\u00fcsl\u00fcmanlar\u0131, faiz al\u0131p vermeyi yasakl\u0131yordu. \u0130slami bankalardaki i\u015flemler, g\u00f6lgeli alt gelir grubu mortgage’lar\u0131yla de\u011fil, ger\u00e7ek varl\u0131klara kar\u015f\u0131l\u0131k yap\u0131l\u0131yordu. \u015eeriata uygun finansal anla\u015fmalar, sahiplik i\u00e7in kiralama anla\u015fmalar\u0131na, taksit planlar\u0131na, ortak sat\u0131n alma ve sat\u0131\u015f anla\u015fmalar\u0131na ya da ortakl\u0131klara benziyordu.<\/p>\n Yat\u0131r\u0131mc\u0131lar fonlar\u0131n\u0131n nas\u0131l kullan\u0131ld\u0131\u011f\u0131n\u0131 bilme hakk\u0131na sahipler ve sekt\u00f6r uzman y\u00f6netim kurullar\u0131 ve ulusal denetim mekanizmalar\u0131 taraf\u0131ndan s\u00fcrekli izleniyordu.<\/p>\n \u0130slami finans ahlaki sigorta say\u0131l\u0131yor<\/strong><\/p>\n Uzmanlar yine de, e\u011fer finansal y\u0131k\u0131m k\u00f6t\u00fcle\u015firse \u0130slami finans end\u00fcstrisinin darbe alabilece\u011fi uyar\u0131s\u0131nda bulunuyordu. Kuala Lumpur’daki Pricewaterhouse Coopers ortaklar\u0131ndan Jennifer Chang, \u0130slami finans\u0131 bekleyen tehlikeleri \u015fu s\u00f6zlerle anlat\u0131yordu: “\u0130slami bankalar, \u00f6zellikle Orta Do\u011fu’da olanlar \u00f6zel hisse senedi ve emlak yat\u0131r\u0131mlar\u0131na fazla a\u011f\u0131rl\u0131k vermi\u015f durumdalar. E\u011fer piyasa d\u00fc\u015ferse b\u00fcy\u00fck bir darbe al\u0131r. E\u011fer para alan \u00f6demeyi yapamazsa banka haczeder. Soru, haczedilen mal\u0131 piyasada satabilecek mi ve ne kadara? Bu sorunlar t\u00fcm bankalar i\u00e7in var”.<\/p>\n Pazar ara\u015ft\u0131rmas\u0131 ve analiz firmas\u0131 IDC alt\u0131nda \u00e7al\u0131\u015fan Financial Insights’dan uzman ara\u015ft\u0131rma analisti Abhishek Kumar, ayn\u0131 endi\u015feyi payla\u015fsa da daha iyimser konu\u015fuyordu: “Darbenin ger\u00e7ek kapsam\u0131 konusunda net de\u011filiz. En k\u00f6t\u00fc yerini ge\u00e7tik mi ge\u00e7medik mi belli de\u011fil. Ancak yine de bu kapsam ana sekt\u00f6r kadar k\u00f6t\u00fc olmayacak”.<\/p>\n Bir\u00e7ok d\u00fcnya \u00fclkesinin \u0130slami finans kitab\u0131ndan bir yaprak almaya ba\u015flayacaklar\u0131n\u0131 \u00f6ng\u00f6rerek, “Risk portf\u00f6y\u00fcn\u00fc \u00e7e\u015fitlendirmek i\u00e7in \u00e7ok daha fazla kurum \u0130slami hizmetler sunmakla ilgilenecek” diyordu.<\/p>\n \u0130slami finans, h\u00e2lihaz\u0131rda, k\u00fcresel finans end\u00fcstrisinin en h\u0131zl\u0131 b\u00fcy\u00fcyen sekt\u00f6rlerinden biridir. Yakla\u015f\u0131k 30 y\u0131l \u00f6nce kurulan \u0130slami bankac\u0131l\u0131k end\u00fcstrisi, t\u00fcm d\u00fcnyada bankerler ve yat\u0131r\u0131mc\u0131lar\u0131n ilgisini cezp ederek b\u00fcy\u00fck bir ivme yakalad\u0131. Bug\u00fcn d\u00fcnyada yakla\u015f\u0131k 300 \u0130slami banka ve finansal kurum bulunuyor. Bunlar\u0131n varl\u0131klar\u0131n\u0131n 2009’da 1 trilyon dolara ula\u015fmas\u0131 bekleniyordu.<\/p>\n Gayrim\u00fcslimler de \u0130slami finansa ko\u015fuyor<\/strong><\/p>\n \u0130ngiltere’nin ilk ba\u011f\u0131ms\u0131z \u0130slami bankas\u0131 IBB’nin \u015fubelerinin salonlar\u0131n\u0131, M\u00fcsl\u00fcmanlar kadar, \u0130slami finans\u0131 “daha g\u00fcvenli” g\u00f6ren Gayrim\u00fcslimler de dolduruyordu.<\/p>\n Bir\u00e7ok klasik bankan\u0131n kredi s\u0131k\u0131\u015f\u0131kl\u0131\u011f\u0131na ve finansal krize d\u00fc\u015ft\u00fc\u011f\u00fc bu zamanda, IBB m\u00fc\u015fteri say\u0131s\u0131nda y\u00fczde 5 ve m\u00fc\u015fteri finansman\u0131nda y\u00fczde 13 art\u0131\u015f g\u00f6zleniyordu. D\u00fcnyan\u0131n 4’nc\u00fc b\u00fcy\u00fck yat\u0131r\u0131m bankas\u0131 Lehman Brothers’in iflas\u0131 ve Wall Street devlerin s\u0131k\u0131nt\u0131lar\u0131 nedeniyle ABD merkezli b\u00fcy\u00fck bir mali krize yol a\u00e7\u0131yordu.<\/p>\n Chodhury, IBB m\u00fc\u015fterileri say\u0131s\u0131ndaki y\u00fckseli\u015fi, “birikimleri i\u00e7in daha g\u00fcvenli bir se\u00e7enek” iste\u011fiyle a\u00e7\u0131kl\u0131yordu. IBB Shepherds Bush \u015fubesi m\u00fcd\u00fcr\u00fc, Ebu Fuzoll, M\u00fcsl\u00fcmanlar\u0131n m\u00fc\u015fterilerinin genelini olu\u015fturdu\u011funu s\u00f6yl\u00fcyordu. Bankan\u0131n \u015fubelerinin ekserisi M\u00fcsl\u00fcmanlar\u0131n \u00e7o\u011funluk olarak ya\u015fad\u0131\u011f\u0131 b\u00f6lgelerde bulunuyor. Ancak banka yetkilileri, k\u00e2rlar\u0131 ve m\u00fc\u015fteri say\u0131lar\u0131 artt\u0131k\u00e7a farkl\u0131 yerlerde de \u015fubeler a\u00e7acaklar\u0131n\u0131 ifade ediyordu.<\/p>\n \u0130ngiltere’nin ilk ba\u011f\u0131ms\u0131z \u0130slami bankas\u0131, Gayrim\u00fcslim m\u00fc\u015fteri say\u0131s\u0131nda art\u0131\u015f oldu\u011funu bildiriyordu. Banka yetkilileri, \u0130slami bankac\u0131l\u0131\u011f\u0131n, operasyonlar\u0131n\u0131 faizsiz sisteme dayand\u0131rd\u0131\u011f\u0131 i\u00e7in m\u00fc\u015fterilerine daha “g\u00fcvenli bir se\u00e7enek” sa\u011flad\u0131\u011f\u0131n\u0131 ve bunun da m\u00fc\u015fteri say\u0131s\u0131n\u0131 art\u0131rd\u0131\u011f\u0131n\u0131 kaydediyordu.<\/p>\n Finansal avantajlar\u0131yla birlikte \u00e7ok say\u0131da gayrim\u00fcslimin, \u0130slam bankas\u0131n\u0131n \u00f6zg\u00fcn ahlaki tekliflerine ilgi g\u00f6sterdi\u011fi anla\u015f\u0131l\u0131yordu. “Kanund\u0131\u015f\u0131 kabul edilen i\u015flere yat\u0131r\u0131m yapmak yasak oldu\u011fu i\u00e7in ilgi art\u0131yordu. Bunlar, kumar, porno, t\u00fct\u00fcn ve \u0130slami de\u011ferlere ayk\u0131r\u0131 di\u011fer sekt\u00f6rleri kaps\u0131yordu”.<\/p>\n Fransa da \u0130slami Finansa g\u00f6z\u00fcn\u00fc dikiyor.<\/strong><\/p>\n Frans\u0131z Ekonomi Bakan\u0131 Christine Legarde, Londra’ya giden K\u00f6rfez sermayesini \u00fclkeye \u00e7ekebilmek i\u00e7in \u0130slami finansla ilgili yasal d\u00fczenlemeler yap\u0131laca\u011f\u0131n\u0131 a\u00e7\u0131kl\u0131yordu.<\/p>\n Frans\u0131z H\u00fck\u00fcmeti de y\u00fckselen \u0130slami finanstan pay alabilmek i\u00e7in kollar\u0131 s\u0131vam\u0131\u015ft\u0131. H\u00e2lihaz\u0131rda Londra’ya akan K\u00f6rfez Sermayesi’ni \u00fclkeye \u00e7ekebilmek i\u00e7in h\u00fck\u00fcmet mali ve yasal bir altyap\u0131 sunmaya haz\u0131rlan\u0131yordu.<\/p>\n Frans\u0131z Ekonomi Bakan\u0131 Christine Legarde, yak\u0131n zamanda K\u00f6rfez yat\u0131r\u0131mc\u0131lar\u0131na yapt\u0131\u011f\u0131 bir konu\u015fmada “Londra ya da herhangi bir yerde oldu\u011fu gibi Paris’te de rahat olmalar\u0131” i\u00e7in gerekli ad\u0131mlar\u0131n at\u0131laca\u011f\u0131 s\u00f6z\u00fcn\u00fc verdi. Mali ve yasal d\u00fczenlemelerle ilgili duyurular\u0131n yap\u0131lmas\u0131 bekleniyordu. D\u00fczenlemelerin \u0130slami bonolar ve emlak al\u0131m-sat\u0131mla ilgili olaca\u011f\u0131 belirtiliyordu.<\/p>\n Standard & Poor analisti Emmanuel Volland, “ilk kez bir devlet temsilcisinin \u0130slami finans\u0131n geli\u015fmesini destekledi\u011fini kamuoyu \u00f6n\u00fcnde a\u00e7\u0131klad\u0131\u011f\u0131na” dikkat \u00e7ekiyordu.<\/p>\n Londra, \u0130slami finans ba\u015fkenti olma yolunda ilerliyor<\/strong><\/p>\n H\u00fck\u00fcmetin destek politikalar\u0131yla Londra, her sene s\u00fcrekli dev ad\u0131mlarla b\u00fcy\u00fcyen \u0130slami finans\u0131n merkezi olma yolunda emin ad\u0131mlarla ilerliyor.<\/p>\n \u0130ngiltere’de komple \u0130slami bankac\u0131l\u0131k yapan 4 kurum bulunuyor. Bunlar Avrupa Birli\u011fi’nde tek olma \u00f6zelli\u011fi ta\u015f\u0131yor. Londra, ayn\u0131 zamanda, \u0130slami bankac\u0131l\u0131k \u00fcr\u00fcnleri sunan 21 bankaya da ev sahipli\u011fi yap\u0131yor. Bunlardan sonuncusu da 2008’de lisans alan Gatehouse.<\/p>\n H\u00fck\u00fcmete \u0130slami finans konusunda dan\u0131\u015fmanl\u0131k kurulunun liderli\u011fini yapan Richard Thomas, “Bu alan h\u0131zl\u0131 b\u00fcy\u00fcyor ve yeni bankalar \u0130ngiltere’ye ak\u0131\u015f getiriyor” diye konu\u015ftu. Londra merkezli finans kurulu\u015flar\u0131, 5 sene \u00f6nce hi\u00e7 olan ve bug\u00fcn 24 milyara ula\u015fan \u0130slami bono ya da \u2018sukuk’ konusunda da lider rol oynuyor.<\/p>\n Londra Borsas\u0131, 16 \u0130slami bononun pazara giri\u015fine onay verdi. Uluslararas\u0131 Finansal Servisler’e g\u00f6re, \u0130ngiltere, en b\u00fcy\u00fck 15 aktifler s\u0131ralamas\u0131ndaki tek Bat\u0131l\u0131 \u00fclke. \u0130slam, M\u00fcsl\u00fcmanlar\u0131 faizle bor\u00e7 al\u0131p vermeyi haram k\u0131l\u0131yor.<\/p>\n \u0130slam tefecili\u011fi ve bor\u00e7 al\u0131p verirken faizi yasakl\u0131yor. \u0130slami bankalar ve finans kurulu\u015flar\u0131, i\u00e7inde alkol, kumar, t\u00fct\u00fcn, silah ve domuz bulunan herhangi bir \u015feyle ilgili sermaye al\u0131p veremiyor. \u0130slam dinine uygun olarak yap\u0131lan finans, sahiplik i\u00e7in leasing, planl\u0131 \u00f6deme, ortak al\u0131m ve sat\u0131\u015f s\u00f6zle\u015fmeleri ya da ortakl\u0131klar\u0131 and\u0131r\u0131yor.<\/p>\n H\u00fck\u00fcmet deste\u011fi \u015fart<\/strong><\/p>\n Uzmanlar, Londra’n\u0131n \u0130slami finans merkezi olmak i\u00e7in t\u00fcm \u00f6zelliklere sahip oldu\u011funu belirtiyor. Percy, “Asya ve Ortado\u011fu’yla ilgilenmek i\u00e7in \u00e7ok do\u011fru bir zaman. Geni\u015f yetenek havuzu ve borsa, metal, petrol ve vadeli i\u015flemler gibi farkl\u0131 pazarlar\u0131n konsantrasyonu var.\u00a0 Ayn\u0131 zamanda h\u00fck\u00fcmet ve Londra bankas\u0131n\u0131n deste\u011fi b\u00fcy\u00fck.”<\/p>\n Son 5 y\u0131ld\u0131r, \u0130ngiliz H\u00fck\u00fcmeti \u0130slami finans\u0131n geli\u015fmesi i\u00e7in d\u00fczenlemeler yap\u0131yor. \u00d6rne\u011fin, h\u00fck\u00fcmet belirli t\u00fcr faize i\u015fletilen damga vergisinden \u0130slami finans hareketlerini muaf tuttu. Ayr\u0131ca h\u00fck\u00fcmet \u0130slami bono \u00e7\u0131karmay\u0131 da planl\u0131yor. \u0130ngiltere’nin bu konuda ba\u015f\u0131 \u00e7ekmesinin \u00f6nemli bir nedeni de 2 milyonu a\u015fan M\u00fcsl\u00fcman n\u00fcfus g\u00f6steriliyor.<\/p>\n Japonya \u0130slami bankac\u0131l\u0131\u011fa haz\u0131rlan\u0131yor<\/strong><\/p>\n Japonya 700 milyon dolarl\u0131k \u0130slami Finans Sistemi’nin kurallar\u0131na uyacak \u015fekilde bankac\u0131l\u0131k ve pazar sistemine 6 ay i\u00e7inde y\u00fcr\u00fcrl\u00fc\u011fe girecek d\u00fczenlemeler getiriyordu.<\/p>\n Japon H\u00fck\u00fcmeti bankac\u0131l\u0131k d\u00fczenlemelerini ve pazarlar\u0131n\u0131 \u0130slami finans sistemine uyacak \u015fekilde de\u011fi\u015ftirmeye ba\u015flad\u0131. D\u00fcnyan\u0131n en geni\u015f profesyonel hizmet firmalar\u0131ndan PwC Tokyo’n\u0131n ortaklar\u0131ndan Stuart Porter, Financial Times’a yapt\u0131\u011f\u0131 a\u00e7\u0131klamada “\u0130slami finans olduk\u00e7a ilgin\u00e7 bir konu olmas\u0131na ra\u011fmen sadece biraz destek olmak gerekiyor” \u015feklinde konu\u015fuyordu.<\/p>\n B\u00fcy\u00fck ad\u0131mlarla ilerleyen \u0130slami finans sistemiyle ilgili olarak Tokyo, g\u00fcn\u00fcn birinde end\u00fcstrinin \u00f6nde gelen sermaye birikimlerinden olmas\u0131 umudunu ta\u015f\u0131yordu. Bunun ger\u00e7ekle\u015ftirilmesi i\u00e7in h\u00fck\u00fcmet, finansal d\u00fczenlemelerini \u0130slami finansa uygun hale getirmeye \u00e7al\u0131\u015f\u0131yordu.<\/p>\n H\u00fck\u00fcmetin bankac\u0131l\u0131k sistemi, menkul de\u011ferler ve kambiyo denetleme kurumu Finansal Servisler Ajans\u0131 (FSA),\u00a0 6 ay i\u00e7inde y\u00fcr\u00fcrl\u00fc\u011fe girecek bankac\u0131l\u0131k kanunu \u0131st\u0131lahlar\u0131 geli\u015ftiriyordu.<\/p>\n Uluslararas\u0131 standartlar\u0131 \u00fczerinde s\u00f6z sahibi Japon Merkez Bankas\u0131 \u0130slami finans sistemi hakk\u0131nda daha fazla bilgi sahibi olmak i\u00e7in, \u0130slami Finans Servisleri Kurulu’na g\u00f6zlemci olarak dahil oluyordu.<\/p>\n Velhas\u0131l her alanda oldu\u011fu gibi, finans ve bankac\u0131l\u0131k alan\u0131nda da; \u015feytani ve bencil kural ve kurumlar \u00e7\u00f6kerken, Rahmani ve insani prensip ve programlar umut sa\u00e7\u0131yordu.<\/strong><\/p>\n <\/p>\n","protected":false},"excerpt":{"rendered":" \u0130ngiltere \u0130slam Bankas\u0131 y\u00f6neticisi \u015eahir Abbas:<\/p>\n “K\u00fcresel krizin sebebi faizdir” uyar\u0131s\u0131 yap\u0131yor<\/strong><\/p>\n “Ya\u015fanan k\u00fcresel krizin ba\u015fl\u0131ca sorunu faizdir. Faiz \u00fcretimi \u00f6ld\u00fcr\u00fcr ve \u00e7ok az bir az\u0131nl\u0131\u011f\u0131n daha da zenginle\u015fmesini sa\u011flar. Bu kriz, \u0130slam bankac\u0131l\u0131k sisteminin de\u011fil, faizci bankac\u0131l\u0131k sisteminin \u00fcr\u00fcn\u00fcd\u00fcr. G\u00fcven bunal\u0131m\u0131na d\u00fc\u015fenler de onlar oldu. \u0130slam bankac\u0131l\u0131k sistemi h\u00e2l\u00e2 g\u00fcvenilirlili\u011fini s\u00fcrd\u00fcr\u00fcyor, hatta bu ya\u015fananlar bu g\u00fcvenilirlili\u011fi daha da per\u00e7inliyor.”<\/p>\n","protected":false},"author":29,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[92],"tags":[],"class_list":["post-1494","post","type-post","status-publish","format-standard","hentry","category-subat-2009"],"_links":{"self":[{"href":"https:\/\/www.millicozum.com\/mc\/wp-json\/wp\/v2\/posts\/1494","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\/29"}],"replies":[{"embeddable":true,"href":"https:\/\/www.millicozum.com\/mc\/wp-json\/wp\/v2\/comments?post=1494"}],"version-history":[{"count":0,"href":"https:\/\/www.millicozum.com\/mc\/wp-json\/wp\/v2\/posts\/1494\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.millicozum.com\/mc\/wp-json\/wp\/v2\/media?parent=1494"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.millicozum.com\/mc\/wp-json\/wp\/v2\/categories?post=1494"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.millicozum.com\/mc\/wp-json\/wp\/v2\/tags?post=1494"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}