{"id":3085,"date":"2014-11-26T21:34:28","date_gmt":"2014-11-26T21:34:28","guid":{"rendered":"https:\/\/www.millicozum.com\/mc\/2014\/11\/26\/adil-ekonomik-duzen-ihtiyaci\/"},"modified":"2014-11-26T21:34:28","modified_gmt":"2014-11-26T21:34:28","slug":"adil-ekonomik-duzen-ihtiyaci","status":"publish","type":"post","link":"https:\/\/www.millicozum.com\/mc\/2014\/aralik-2014\/adil-ekonomik-duzen-ihtiyaci\/","title":{"rendered":"\u201cAD\u0130L EKONOM\u0130K D\u00dcZEN\u201d \u0130HT\u0130YACI"},"content":{"rendered":"\n<p>\u00a0<\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u00d6zel m\u00fclkiyeti ve \u00f6zg\u00fcr giri\u015fimi yasaklayan, devlet i\u00e7in fertleri feda edip insani yetenekleri k\u0131s\u0131rla\u015ft\u0131ran, temel hak ve h\u00fcrriyetleri k\u0131s\u0131tlayan, ahlak ve maneviyat\u0131 yozla\u015ft\u0131ran kom\u00fcnist sistem, hen\u00fcz bir insan \u00f6mr\u00fcn\u00fc bile doldurmadan \u00e7\u00fcr\u00fcd\u00fc ve Sovyetler Birli\u011fi \u00e7\u00f6kt\u00fc.<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Ard\u0131ndan, faiz ve f\u0131rsat\u00e7\u0131l\u0131k yoluyla s\u00f6m\u00fcr\u00fc sermayesini tekelle\u015ftiren; devletin dizginlerini ele ge\u00e7irip fertleri demokrat robotlar haline getiren; k\u00fcreselle\u015fme palavras\u0131yla insanl\u0131\u011f\u0131 k\u00f6lele\u015ftiren ve bu zul\u00fcm saltanat\u0131n\u0131 s\u00fcrd\u00fcrmek i\u00e7in sava\u015f, i\u015fgal, anar\u015fi, uyu\u015fturucu, fuhu\u015f, mafya gibi her t\u00fcrl\u00fc ahlaks\u0131zl\u0131\u011f\u0131 ve zorbal\u0131\u011f\u0131 m\u00fcbah g\u00f6ren kapitalist sistem de sonunda iflas edip \u00e7\u00f6z\u00fcld\u00fc.<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Kom\u00fcnizmin, faizi kald\u0131rmas\u0131 ve sosyal adaleti savunmas\u0131 do\u011fru, ama h\u00fcr te\u015febb\u00fcs\u00fc ve m\u00fclkiyet hakk\u0131n\u0131 yasaklamas\u0131 ve h\u00fcrriyetleri k\u0131s\u0131tlamas\u0131 yanl\u0131\u015ft\u0131.<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Kapitalizmin; \u00f6zg\u00fcr giri\u015fimi ve \u00f6zel m\u00fclkiyeti serbest b\u0131rakmas\u0131 do\u011fru, ama faizcilik ve tekelcilikle s\u00f6m\u00fcr\u00fc \u00e7ark\u0131n\u0131 kurmas\u0131 yanl\u0131\u015ft\u0131. <\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u0130nsan ve toplum f\u0131trat\u0131na, do\u011fal ve sosyal yasalara ayk\u0131r\u0131 olan bu yanl\u0131\u015flar y\u00fcz\u00fcnden, her ikisi de zul\u00fcm yapm\u0131\u015ft\u0131 ve y\u0131k\u0131lm\u0131\u015ft\u0131.<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u015eimdi kom\u00fcnizmin ve kapitalizmin yararl\u0131 y\u00f6nlerini \u00f6z\u00fcnde bar\u0131nd\u0131ran, ama zararl\u0131 y\u00f6nlerini b\u0131rakan;<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><\/b><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">1-<span style=\"font: 7pt 'Times New Roman';\">\u00a0 <\/span><\/span><\/b><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Akl\u0131selimin<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><\/b><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">2-<span style=\"font: 7pt 'Times New Roman';\">\u00a0 <\/span><\/span><\/b><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">M\u00fcspet bilimin<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><\/b><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">3-<span style=\"font: 7pt 'Times New Roman';\">\u00a0 <\/span><\/span><\/b><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Vicdani kanaat ve tatminin<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><\/b><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">4-<span style=\"font: 7pt 'Times New Roman';\">\u00a0 <\/span><\/span><\/b><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Tarihi birikim ve tecr\u00fcbelerin<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><\/b><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">5-<span style=\"font: 7pt 'Times New Roman';\">\u00a0 <\/span><\/span><\/b><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u0130lahi dinin prensiplerinin<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Ortakla\u015fa \u201cdo\u011fru\u201d bulduklar\u0131n\u0131 esas al\u0131p, \u201cyanl\u0131\u015f\u201d bulduklar\u0131ndan sak\u0131n\u0131larak haz\u0131rlanan bir AD\u0130L D\u00dcZEN\u2019e ihtiya\u00e7 vard\u0131r ve ka\u00e7\u0131n\u0131lmazd\u0131r.<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Biz bu nedenle, Adil D\u00fczen\u2019in temel esaslar\u0131n\u0131 yaz\u0131p tart\u0131\u015fmaya a\u00e7maya, ilim ve fikir erbab\u0131n\u0131n tenkit ve tekliflerini almaya \u00e7al\u0131\u015faca\u011f\u0131z.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Adil D\u00fczen\u2019in<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">1-<span style=\"font: 7pt 'Times New Roman';\">\u00a0 <\/span><\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Ekonomik prensip ve projelerini<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">2-<span style=\"font: 7pt 'Times New Roman';\">\u00a0 <\/span><\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Siyasi ve idari yap\u0131lanma bi\u00e7imini<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">3-<span style=\"font: 7pt 'Times New Roman';\">\u00a0 <\/span><\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u0130lim ve e\u011fitim sistemini<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">4-<span style=\"font: 7pt 'Times New Roman';\">\u00a0 <\/span><\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Ahlaki-Dini kurum ve kriterlerini,<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Okurlar\u0131m\u0131z\u0131n ilgi ve bilgisine sunaca\u011f\u0131z. Adil D\u00fczen\u2019in, \u00f6yle hayali ve hamasi sloganlar olmay\u0131p, tamamen ilmi ve ger\u00e7ek\u00e7i, orijinal ve milli bir program oldu\u011funu ortaya koyaca\u011f\u0131z.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">EKONOM\u0130K AD\u0130L D\u00dcZEN<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Adil Ekonomik d\u00fczenin temel esaslar\u0131 \u015funlard\u0131r:<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Adil Ekonomide; <\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">A &#8211; DEVLET:<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">1-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Makro planda ve \u00fclke \u00e7ap\u0131nda genel kalk\u0131nma planlar\u0131 haz\u0131rlayan,<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">2-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> \u00dclke ihtiya\u00e7lar\u0131na ve d\u00fcnya standartlar\u0131na uygun ve verimli yat\u0131r\u0131m projeleri ortaya koyan,<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">3-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Destek, y\u00f6nlendirme, te\u015fvik ve altyap\u0131 hizmetleri yapan,<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Ortak konsens\u00fcsle olu\u015fmu\u015f (Anayasal) Milli kurum ve kurallara dayal\u0131; Laik, demokratik ve sosyal bir hukuk yap\u0131lanmas\u0131d\u0131r.<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">B &#8211; PARA:<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">1-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Faizin her t\u00fcrl\u00fcs\u00fc kald\u0131r\u0131lm\u0131\u015ft\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">2-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Para, \u00fcretilen mal kar\u015f\u0131l\u0131\u011f\u0131d\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">3-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Kar\u015f\u0131l\u0131ks\u0131z para bas\u0131lmayacakt\u0131r.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">4-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Para:<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u00a0 <strong>\u00a0a.<\/strong> Ya arsa ve tarlan\u0131n<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u00a0 \u00a0<strong>b.\u00a0<\/strong><\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Ya tesis ve fabrikan\u0131n<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u00a0<strong> \u00a0c.<\/strong> Ya \u00fcretilen standart bir mal\u0131n<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u00a0<strong> \u00a0d.\u00a0<\/strong><\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Ya da alt\u0131n ve d\u00f6viz kar\u015f\u0131l\u0131\u011f\u0131 olacakt\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">5-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> \u0130stenildi\u011fi anda mal paraya, para mala \u00e7evrilebilir durumdad\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">6-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Ekonomik ve ticari hizmet ve giri\u015fimlerde herkese adil muamele yap\u0131lacak ve tam bir f\u0131rsat e\u015fitli\u011fi sa\u011flanacakt\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">7-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Fiyatlar arz ve talebe dayal\u0131 kriterlere g\u00f6re, serbest piyasa ekonomisi i\u00e7inde tabii olarak ayarlanacakt\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">G\u00f6r\u00fcld\u00fc\u011f\u00fc gibi Adil D\u00fczen&#8217;de para; sadece \u00fcretilen bir mal\u0131n <b>&#8220;de\u011feri&#8221;<\/b>dir ve de\u011fi\u015fim (al\u0131\u015fveri\u015f) i\u00e7in gereklidir. Kalk\u0131nma i\u00e7in \u00f6nce para laz\u0131m de\u011fildir. \u00d6rne\u011fin bir ekmek \u00fcretmek i\u00e7in <b>&#8220;bu\u011fday, un, su, tuz, maya, odun<\/b> (pi\u015firici) <b>ve insan eme\u011fi<\/b>&#8221; yeterlidir. Para ise; ancak ekmek \u00fcretildikten sonra, onu \u00fcretenlere &#8220;<b>\u00fcretti\u011fi kadar t\u00fcketme hakk\u0131 tan\u0131yan&#8221;<\/b> bir devlet belgesidir.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Baz\u0131 insanlar\u0131n <b>&#8220;iyi g\u00fczel amma, bu Adil D\u00fczen projelerini uygulayacak paray\u0131 nereden bulacaks\u0131n\u0131z?&#8221;<\/b> sorusu, do\u011fal ekonomiyi bilmemelerindendir.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Bak\u0131n\u0131z 2. d\u00fcnya harbi sonunda Almanya&#8217;da bir \u00e7orap, y\u00fczlerce marka al\u0131nacak \u015fekilde paran\u0131n de\u011feri d\u00fc\u015fmeye ba\u015flad\u0131. Almanya, elindeki bu k\u00e2\u011f\u0131t par\u00e7alar\u0131yla kalk\u0131nmad\u0131. Yeralt\u0131 ve yer \u00fcst\u00fc kaynaklar\u0131n\u0131 kullanarak, kalifiye ve kaliteli insan g\u00fcc\u00fcn\u00fc devreye sokarak, \u00e7al\u0131\u015fma ve \u00fcretme \u015fartlar\u0131n\u0131 haz\u0131rlayarak ancak, yeniden ekonomisini d\u00fczeltmeyi ba\u015farm\u0131\u015ft\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Siyonist ve kapitalist s\u00f6m\u00fcr\u00fc sistemlerinde ise: &#8220;<b>Kalk\u0131nma i\u00e7in \u00f6nce sermaye (para) laz\u0131md\u0131r&#8221;<\/b> \u015fart\u0131 ko\u015fulmaktad\u0131r. \u00c7\u00fcnk\u00fc <b>&#8220;Para&#8221;<\/b>y\u0131 Siyonist sermayedarlar bas\u0131yor ve bu k\u00e2\u011f\u0131tlar\u0131 bankada bloke ederek bunlar\u0131 <b>&#8220;faizli kredi&#8221;<\/b> olarak giri\u015fimcilere da\u011f\u0131t\u0131yor ve b\u00f6ylece insanl\u0131\u011f\u0131n al\u0131n terini ve eme\u011fini s\u00f6m\u00fcr\u00fcyor. Bug\u00fcn <b>&#8220;Dolar&#8221;<\/b> diye Siyonist merkezlerin bast\u0131rd\u0131\u011f\u0131 trilyonlarca liral\u0131k kar\u015f\u0131l\u0131ks\u0131z paran\u0131n (daha do\u011frusu ye\u015fil boyal\u0131 k\u00e2\u011f\u0131tlar\u0131n) insanl\u0131\u011f\u0131n kan\u0131n\u0131 nas\u0131l emdi\u011fini herkes biliyor.<\/span><\/p>\n<ul>\n<li><strong><span style=\"font-size: 14pt; font-family: Arial, sans-serif;\">SA\u011eLAM PARA<\/span><\/strong><\/li>\n<\/ul>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u00d6nce <b>&#8220;SA\u011eLAM PARA&#8221;<\/b> 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 <b>&#8220;\u00fcretim&#8221;<\/b>, ya\u015famak i\u00e7in harcanan \u015feyler ise bir <b>&#8220;t\u00fcketim&#8221;<\/b> olay\u0131d\u0131r. Bir anlamda, canl\u0131lar kendi varl\u0131klar\u0131n\u0131 kendi gayretleri ile s\u00fcrd\u00fcrmek zorundad\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Ar\u0131lar ve kar\u0131ncalar \u00f6rne\u011fi, pek \u00e7ok canl\u0131 t\u00fcrleri gibi insanlar da tek ba\u015f\u0131na de\u011fil, <b>&#8220;Topluluk&#8221;<\/b> halinde ya\u015famak durumundad\u0131r. Topluluk halinde, devaml\u0131 ve d\u00fczenli olarak ya\u015fayabilmek i\u00e7in de, O toplulukta \u00fcretilen <b>&#8220;Toplam mal\u0131n&#8221;<\/b>, birlikte t\u00fcketilen toplam maldan fazla olmas\u0131 laz\u0131md\u0131r. Yok, e\u011fer <b>&#8220;t\u00fcketilen mal&#8221;<\/b> toplam\u0131, <b>&#8220;\u00fcretilen mal&#8221;<\/b> toplam\u0131ndan daha fazla olursa, O zaman <b>&#8220;\u00fcretilmeyen bir mal\u0131n t\u00fcketilmesi&#8221;<\/b> 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<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Asl\u0131nda, bir \u00fclkede, herkes \u00fcretti\u011fi kadar t\u00fcketirse, <b>&#8220;topluca \u00fcretilen, topluca t\u00fcketilene e\u015fit&#8221;<\/b> olaca\u011f\u0131ndan, \u201ctabii bir denge\u201d kurulmu\u015f olacakt\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Ancak bu dengenin s\u00fcrekli olabilmesi i\u00e7in, O toplumda &#8220;biriktirilmi\u015f fazla mal\u0131n&#8221; bulunmas\u0131 da \u015fartt\u0131r. \u00c7\u00fcnk\u00fc k\u0131tl\u0131k, sava\u015f, deprem ve yang\u0131n gibi felaketlerde, bu \u201cdepolanm\u0131\u015f fazla mal\u0131n t\u00fcketilmesi\u201d 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&#8221; \u00fcretime ihtiya\u00e7 vard\u0131r. Demek ki toplumda ekonomik dengenin kurulmas\u0131 ve korunmas\u0131 i\u00e7in <b>&#8220;\u00fcretim toplam\u0131n\u0131n, t\u00fcketim toplam\u0131ndan mutlaka fazla olmas\u0131&#8221;<\/b> 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><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\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, <b>&#8220;\u00e7al\u0131\u015fma arzusunun, ya\u015fama arzusundan daha fazla olmas\u0131&#8221;<\/b> 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<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">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\u00fcklenme\u011fe 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 \u201ctek ba\u015f\u0131na ya\u015fayabilecek \u00f6zellik ve yeteneklerle yarat\u0131lm\u0131\u015f olmas\u0131ndan\u201d da kaynaklan\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">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><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Bu nedenle insanlar sadece <b>&#8220;tam bir toplu d\u00fczen&#8221;<\/b>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, <b>&#8220;birlikte \u00fcretim; birlikte t\u00fcketim, her \u015fey ortak&#8221;<\/b> hayaline dayanan ve ki\u015filerin ferdi h\u00fcrriyet ve haysiyetini \u00f6ld\u00fcren <b>&#8220;Kom\u00fcnizm d\u00fczeni&#8221;<\/b> 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><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">E\u011fer insanlardaki <b>&#8220;\u00e7al\u0131\u015fma ve \u00fcretme arzusu, ya\u015fama ve t\u00fcketme arzusundan fazla&#8221;<\/b> olsayd\u0131, Marks&#8217;\u0131n kominizim hayali belki ger\u00e7ekle\u015febilirdi. Ancak \u0130lahi kudret ve hikmetin insan\u0131 b\u00f6ylesine <b>&#8220;ya\u015famaya ve t\u00fcketmeye istekli, \u00e7al\u0131\u015f\u0131p \u00fcretmeye kar\u015f\u0131 ise tembel&#8221;<\/b> yaratm\u0131\u015f olmas\u0131; hem imtihan s\u0131rr\u0131na uygunlu\u011fu, hem de insanlar aras\u0131ndaki <b>&#8220;yar\u0131\u015fma D\u00fczeni&#8221;<\/b>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<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u0130nsanlardaki <b>&#8220;\u00e7al\u0131\u015fmadan kazanma, \u00fcretmeden t\u00fcketme ve yorulmadan ya\u015fama&#8221;<\/b> arzu ve iste\u011fini, zararl\u0131 halden yararl\u0131 hale \u00e7evirmek i\u00e7in; <b>AD\u0130L B\u0130R D\u00dcZEN ve D\u0130S\u0130PL\u0130N<\/b>\u2019e ihtiya\u00e7 vard\u0131r. \u0130\u015fte Adil D\u00fczendeki <b>&#8220;m\u00fclkiyet sistemi&#8221;<\/b> bunu ger\u00e7ekle\u015ftirmi\u015ftir. Bu sistem <b>&#8220;Herkesin ancak \u00fcretti\u011fi kadar t\u00fcketmesi&#8221;<\/b> esas\u0131na dayan\u0131r. Buna g\u00f6re her fert helal ve me\u015fru yoldan, g\u00fcc\u00fc ve akl\u0131 yetti\u011fi kadar \u00e7al\u0131\u015f\u0131p kazanmak, yani \u201c\u00fcretmek ve \u00e7al\u0131\u015f\u0131p \u00fcretti\u011fi kadar da t\u00fcketmek\u201d 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 <b>&#8220;\u00fcretmeden t\u00fcketme&#8221;<\/b> veya <b>&#8220;\u00fcretti\u011finden daha fazla t\u00fcketme&#8221;<\/b> hakk\u0131 ve f\u0131rsat\u0131 verilmeyecektir. Bu sistemi; d\u00fczenlemek, denetlemek ve disiplinize etmek ise Adil Devletin g\u00f6revidir.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">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 &#8220;senete&#8221; 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><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Toplumda bu ekonomik dengenin ve Adil d\u00fczenin korunmas\u0131 i\u00e7in &#8220;herkesin \u00fcretti\u011fi kadar t\u00fcketmesi&#8221; esas\u0131 yan\u0131nda bir kurala daha ihtiya\u00e7 vard\u0131r. O da; &#8220;\u00d6nce \u00fcretme, sonra t\u00fcketme&#8221; esas\u0131d\u0131r. \u00c7\u00fcnk\u00fc; \u00d6nce t\u00fcketip sonra \u00fcretme durumunda &#8220;bor\u00e7lu ya\u015fama&#8221; 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><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Faiz ise, insanlara &#8220;\u00fcretmeden t\u00fcketme hakk\u0131&#8221; 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\u0131lsonunda 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><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">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 &#8220;sa\u011flam para&#8221; adalet ve saadetin anahtar\u0131d\u0131r.<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Sa\u011flam Paran\u0131n:<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">1- \u00dcretmeden t\u00fcketme hakk\u0131 verilmesi demek olan <b>FA\u0130Z uygulamas\u0131,<\/b><\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">2- Servetten ve \u00fcretimden de\u011fil, gelirden ve \u00fccretten al\u0131nan <b>DENGES\u0130Z VERG\u0130 haks\u0131zl\u0131\u011f\u0131<\/b>,<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">3- Milli para de\u011ferini yabanc\u0131 paralar kar\u015f\u0131s\u0131nda devaml\u0131 d\u00fc\u015f\u00fcren, <b>KAMB\u0130YO \u00e7arp\u0131kl\u0131\u011f\u0131,<\/b><\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">4- Kar\u015f\u0131l\u0131ks\u0131z para basan <b>DARPHANE anlay\u0131\u015f\u0131<\/b>,<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">5- Halktan ucuza toplad\u0131\u011f\u0131 mevduatlar\u0131 zenginlere pompalayan <b>BOZUK BANKA<\/b> ve <b>KRED\u0130 yanl\u0131\u015fl\u0131\u011f\u0131 <\/b>gibi be\u015f ekonomik mikrobu \u00f6z\u00fcnde ta\u015f\u0131yan Kapitalist k\u00f6le d\u00fczenlerindeki, k\u00e2\u011f\u0131t banknottan, bir di\u011fer tabirle, durdu\u011fu yerde eriyen <b>&#8220;buz paradan&#8221;<\/b> ve di\u011fer Senet \u00e7e\u015fitlerinden \u00fcst\u00fcn farklar\u0131 \u015funlard\u0131r:<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-family: Arial, sans-serif; font-size: 12pt; line-height: 1.3em;\">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, helalinden 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><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-family: Arial, sans-serif; font-size: 12pt; line-height: 1.3em;\">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><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-family: Arial, sans-serif; font-size: 12pt; line-height: 1.3em;\"><span style=\"font-family: Arial, sans-serif; font-size: 15.5555562973022px; line-height: normal; text-align: justify; text-indent: 18.9333324432373px;\">Yani para ayn\u0131 zamanda ortak bir de\u011fer \u00f6l\u00e7\u00fcs\u00fcd\u00fcr. Asl\u0131nda para, hem ki\u015filerin\u00a0<\/span><b style=\"font-family: Arial, sans-serif; font-size: 15.5555562973022px; line-height: normal; text-align: justify; text-indent: 18.9333324432373px;\">\u201c\u00fcretti\u011fine kar\u015f\u0131l\u0131k t\u00fcketme hakk\u0131n\u0131 belgeleyen bir senet\u201d<\/b><span style=\"font-family: Arial, sans-serif; font-size: 15.5555562973022px; line-height: normal; text-align: justify; text-indent: 18.9333324432373px;\">\u00a0olmakla beraber, hem de mallar\u0131 biri biriyle kar\u015f\u0131la\u015ft\u0131r\u0131p \u00f6l\u00e7ebilen ortak bir ara\u00e7 konumundad\u0131r.<\/span><\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-family: Arial, sans-serif; font-size: 12pt; line-height: 1.3em;\"><\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">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><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">d. Paran\u0131n di\u011fer bir \u00f6zelli\u011fi de \u00fczerinde \u00f6deme tarihinin bulunmamas\u0131, her zaman ve her yerde devaml\u0131 ge\u00e7erli say\u0131lmal\u0131d\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">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 <b>&#8220;senet ve k\u0131ymet&#8221; <\/b>olarak kalmas\u0131 ve fonksiyonunu y\u00fcr\u00fctm\u00fc\u015f olmas\u0131d\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">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><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b style=\"text-indent: 14.2pt; font-size: 12.222222328186px;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Yaln\u0131z \u015fu durum vard\u0131r ki, paran\u0131n \u00fczerinde \u00f6zel bor\u00e7lu ve alacakl\u0131 belirsizdir ama genelde &#8220;b\u00fct\u00fcn bor\u00e7lularla b\u00fct\u00fcn alacakl\u0131lar&#8221; 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><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">PARA, &#8220;\u00e7al\u0131\u015f\u0131p \u00fcretilerek topluma teslim edilen mallara kar\u015f\u0131l\u0131k al\u0131nm\u0131\u015f bir senet&#8221; 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><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Para gibi &#8220;ortak ve denkle\u015fmi\u015f de\u011fer \u00f6l\u00e7\u00fc birimleriyle&#8221; 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><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">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\u00fczende fiyatlar\u0131 d\u00fc\u015f\u00fcrmek i\u00e7in, &#8220;\u00fcretilen ihtiya\u00e7 fazlas\u0131 mallar\u0131n imhas\u0131na&#8221; veya piyasadaki mal\u0131 toplay\u0131p depolamak suretiyle sun&#8217;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<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">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<ul>\n<li><span style=\"font-size: 14pt;\"><strong><span style=\"font-family: Arial, sans-serif;\">KRED\u0130 KURUMLARI<\/span><\/strong><\/span><\/li>\n<\/ul>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Adil D\u00fczende krediler a\u015fa\u011f\u0131daki \u015fekillerde sa\u011flanacakt\u0131r:<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">1-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> <b>K\u00e2r Ortakl\u0131\u011f\u0131<\/b> anla\u015fmalar\u0131na verilecektir. \u015e\u00f6yle ki:<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u00a0 \u00a0a. Sermaye sahipleri tesisleri ve fabrikalar\u0131 kurarak,<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u00a0 \u00a0b. Y\u00f6neticiler, i\u015fletmecilik ve organizecilik hakk\u0131n\u0131 alarak,<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u00a0 \u00a0c. \u0130\u015f\u00e7i ve ustalar emekleriyle kat\u0131larak,<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u00a0 \u00a0d. Hammadde teminini \u00fcstlenen \u015firket, kooperatif veya onlara kredi veren banka da bir ortak say\u0131larak,<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u00a0 \u00a0e. Devlet ise kanalizasyon su, elektrik, telefon gibi altyap\u0131, bilgi bankas\u0131 ve proje ve te\u015fvik yard\u0131m\u0131 gibi genel hizmetleriyle katk\u0131da bulunarak, kurulacak Kar Ortakl\u0131\u011f\u0131 yat\u0131r\u0131mlar\u0131na yeteri kadar faizsiz kredi sa\u011flanacakt\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Mesela, e\u015fit kat\u0131l\u0131mlarla kurulan be\u015f ortakl\u0131 bir \u015feker fabrikas\u0131 her g\u00fcn 100 torba \u015feker \u00fcretiyorsa, her ortak be\u015fte bir pay\u0131 olan 20 torba \u015fekeri veya de\u011ferini hak etmi\u015f ve alm\u0131\u015f olacakt\u0131r. Bu durumda i\u015f\u00e7i &#8211; usta &#8211; y\u00f6netici &#8211; i\u015fletmeci hepsi birden daha \u00e7ok \u00e7al\u0131\u015fmaya ve daha \u00e7ok \u00fcretip kazanmaya gayret edecektir. \u00c7\u00fcnk\u00fc \u00fcretim artt\u0131k\u00e7a, kendi paylar\u0131 ve kazan\u00e7lar\u0131 da haliyle artm\u0131\u015f olacakt\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Hatta mesela ayn\u0131 fabrikada \u00e7al\u0131\u015fan 40 ki\u015fi gelip i\u015fletmecilere <b>&#8220;biz ayn\u0131 i\u015fi 30 arkada\u015fla da y\u00fcr\u00fctebiliriz&#8230; 10 arkada\u015f\u0131m\u0131z\u0131 ihtiya\u00e7 duyulan ba\u015fka birimlere kayd\u0131rabilirsiniz&#8221;<\/b> diyebileceklerdir. Zira ayn\u0131 \u00fcretimden 40 ki\u015fiye b\u00f6l\u00fc\u015f\u00fclecek emek pay\u0131, bu sefer 30 ki\u015fiye da\u011f\u0131t\u0131lacak ve daha kazan\u00e7l\u0131 \u00e7\u0131kacaklard\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Yani Adil D\u00fczen, <b>&#8220;\u00e7\u0131kar \u00e7at\u0131\u015fmas\u0131 yerine, menfaat ortakla\u015fmas\u0131&#8221;<\/b> sistemini haz\u0131rlam\u0131\u015ft\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">2- M\u00fckteseb Hak Kredisi:<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Elinde birikmi\u015f ihtiya\u00e7 fazlas\u0131 paras\u0131 olan kimseler bunu, ba\u015fkalar\u0131 faizsiz kredi olarak kullanabilsin diye bankaya yat\u0131r\u0131rsa<b>, &#8220;bu paran\u0131n miktar\u0131yla, bankada kald\u0131\u011f\u0131 zaman oran\u0131nda&#8221;<\/b> bir paray\u0131 kredi olarak al\u0131p kullanma hakk\u0131 do\u011facakt\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">3- Emek Kredisi:<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u00d6zel ve t\u00fczel kurulu\u015flar at\u00f6lye ve fabrikalar\u0131nda \u00e7al\u0131\u015ft\u0131racaklar\u0131 i\u015f\u00e7i say\u0131s\u0131na g\u00f6re, ek bir kredi al\u0131p kullanacakt\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">4- Rehin Kredisi:<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Elinde \u00fcretti\u011fi ama satmak istemedi\u011fi &#8220;dayan\u0131kl\u0131 t\u00fcketim mallar\u0131&#8221; bulunanlar, bunlar\u0131 devlete rehin g\u00f6stermek suretiyle kredi alacakt\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">5-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Zaman\u0131nda ve fazla vergi \u00f6deyenlerin, bu d\u00fcr\u00fcstl\u00fck ve ba\u015far\u0131lar\u0131n\u0131 ve milli ekonomiye katk\u0131lar\u0131n\u0131 \u00f6d\u00fcllendirmeye y\u00f6nelik <b>&#8220;Vergi Kredisi&#8221;<\/b> uygulanacakt\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">6-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Uygun ve yeterli projeleri ve gerekli teminat ve tezkiye belgeleriyle ba\u015fvuranlara <b>&#8220;Yat\u0131r\u0131m projesi kredileri&#8221;<\/b> sa\u011flanacakt\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">7- Selem Senedi Kredisi:<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Genellikle k\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli i\u015fletmeler ve mevsimlik \u00fcretimler i\u00e7in tatbik edilen <b>&#8220;para pe\u015fin, mal veresiye, ama normal de\u011ferinden daha ucuza yap\u0131lan al\u0131\u015fveri\u015f&#8221;<\/b> anla\u015fmas\u0131d\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Bu durumda t\u00fcketici ihtiya\u00e7 duydu\u011fu mal\u0131 ucuza alm\u0131\u015f, \u00fcretici ise haz\u0131r ve faizsiz kredi bulmu\u015f olacak ve bu uygulama \u00fcretimi artt\u0131racak, ekonomiyi canland\u0131racak ve fiyatlar\u0131 ucuzlatm\u0131\u015f olacakt\u0131r.<\/span><\/p>\n<ul>\n<li><strong><span style=\"font-size: 14pt; font-family: Arial, sans-serif;\">SELEM NED\u0130R?<\/span><\/strong><\/li>\n<\/ul>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif'; text-transform: uppercase;\">Y<\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">eni Mesaj yazarlar\u0131ndan ve Haydar Ba\u015f yalakalar\u0131ndan Selim Kotil ile Harun Kayac\u0131 kendi Tv. Programlar\u0131nda, AKP bahanesiyle Rahmetli Erbakan\u2019\u0131 ve Adil D\u00fczen program\u0131n\u0131 ele\u015ftirirken <b>\u201ccahil cesur olur\u201d<\/b> cinsinden sa\u00e7malam\u0131\u015f ve <b><i>\u201cAmerika\u2019n\u0131n global \u015firketlerinin ve Bat\u0131n\u0131n taleplerini, ye\u015fil bir boh\u00e7aya sar\u0131p Adil D\u00fczen diye bu milletin \u00f6n\u00fcne koydular. \u201cSelem Senedi\u201d<\/i><\/b> <b><i>diye, kapitalizmin en vah\u015fi uygulamas\u0131n\u0131 \u0130slami proje diye yutturmaya \u00e7al\u0131\u015ft\u0131lar\u201d<\/i><\/b> \u015feklinde sata\u015fm\u0131\u015flar ve koyu cehaletlerini ortaya koymu\u015flard\u0131.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Oysa de\u011fil F\u0131khi kaynaklar\u0131m\u0131z\u0131, sade bir ilmihal kitab\u0131 dahi kar\u0131\u015ft\u0131rm\u0131\u015f olsalard\u0131<\/span><a id=\"ftnref1\" style=\"vertical-align: super;\" href=\"#ftn1\"><sup><sup>[1]<\/sup><\/sup><\/a><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">, \u201cSelem\u201d yoluyla al\u0131\u015fveri\u015fin t\u00fcm mezhepler ve M\u00fc\u00e7tehitlerce caiz oldu\u011funu anlayacaklard\u0131. Tabi bu kadar cehalet, ancak sahte bir \u00fcstad\u0131n \u00e7\u0131raklar\u0131na yak\u0131\u015f\u0131rd\u0131. B\u00fct\u00fcn f\u0131k\u0131h kaynaklar\u0131m\u0131za g\u00f6re <\/span><span style=\"font-size: 12pt; font-family: 'Arial Black','sans-serif';\">Selem:<\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Para pe\u015fin, mal veresiye yap\u0131lan ticarete denir. Bilhassa \u00e7ift\u00e7i ve sanayicilerin ba\u015fvurdu\u011fu bir sat\u0131\u015f \u015fekli olan selemin caiz olmas\u0131 i\u00e7in baz\u0131 \u015fartlar\u0131n bulunmas\u0131 gerekir. Paraya muhta\u00e7 olan kimse, mal\u0131n\u0131 hen\u00fcz \u00fcretmeden \u00f6nce satmak ister. \u0130sl\u00e2m dini, al\u0131c\u0131lar\u0131n sat\u0131c\u0131n\u0131n darl\u0131\u011f\u0131ndan istifade ederek, mal\u0131 ucuza kapatmas\u0131n\u0131 \u00f6nlemek, \u00fcreticinin ise mal\u0131n\u0131 de\u011ferlendirmesine f\u0131rsat vermek i\u00e7in baz\u0131 \u015fartlarla bu tip sat\u0131\u015flar\u0131 caiz g\u00f6rm\u00fc\u015flerdir. Peygamberimiz, Medine&#8217;ye geldi\u011finde, Medinelilerin mahsullerini bir-iki sene \u00f6nceden Yahudilere satt\u0131klar\u0131n\u0131 ve s\u00f6m\u00fcr\u00fc arac\u0131 olarak kulland\u0131klar\u0131n\u0131 g\u00f6r\u00fcnce, bunun \u00fczerine \u015funlar\u0131 s\u00f6ylemi\u015ftir: <b><i>&#8220;Kim hurmas\u0131n\u0131 \u00f6nceden satacaksa; belirli \u00f6l\u00e7\u00fcde, belirli tart\u0131da ve belirli bir vakte kadar olmak \u015fart\u0131yla sats\u0131n.&#8221;<\/i><\/b><\/span><a id=\"ftnref2\" style=\"vertical-align: super;\" href=\"#ftn2\"><b><i><sup><b><sup>[2]<\/sup><\/b><\/sup><\/i><\/b><\/a><b><span style=\"font-size: 14pt; font-family: 'Arial','sans-serif';\">Bu \u00f6l\u00e7\u00fcleri koyan Peygamberimiz, faiz cinsinden bir s\u00f6m\u00fcr\u00fc arac\u0131 olan bu ticaret \u015feklini bereketli bir al\u0131\u015fveri\u015fe \u00e7evirmi\u015ftir. Bunun ak\u0131l ve ara\u015ft\u0131rma ile bilinmesi m\u00fcmk\u00fcn de\u011fildir<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 14pt; font-family: 'Arial Black','sans-serif';\">Selem<\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">, hen\u00fcz var olmayan, yani \u00fcretilip ortaya konulmadan \u00f6nce bir mal\u0131n sat\u0131\u015f\u0131 oldu\u011fundan, ilk bak\u0131\u015fta caiz olmamas\u0131 gerekirken, ihtiya\u00e7 ve zaruret sebebiyle, peygamberimizce izin verilmi\u015ftir ve faizsiz sermaye edinmeyi ve ucuz \u00fcretimi ger\u00e7ekle\u015ftirdi\u011fi i\u00e7in bir mucizedir. Bunda her iki taraf\u0131n da k\u00e2r\u0131 vard\u0131r; m\u00fc\u015fteri biraz daha ucuza mal al\u0131r, sat\u0131c\u0131 da pe\u015fin para ile ihtiyac\u0131n\u0131 giderir. Mesel\u00e2 bir sanayici nakit s\u0131k\u0131nt\u0131s\u0131na d\u00fc\u015ferse, belirli bir s\u00fcre sonra teslim edilmek \u015fart\u0131yla, \u00fcretece\u011fi -vas\u0131flar\u0131 belli olan- mallar\u0131 satar; alaca\u011f\u0131 para ile \u00fcretimini ger\u00e7ekle\u015ftirir. B\u00f6ylece sanayicinin tezg\u00e2h\u0131 \u00e7al\u0131\u015f\u0131r, \u00fcretim devam eder, al\u0131c\u0131 da normal zamana nispetle biraz daha ucuz mal edinip ihtiyac\u0131n\u0131 giderir. Bu imk\u00e2n \u00fcreticiyi, tefecilerin eline d\u00fc\u015fmekten de koruyan bir Peygamber m\u00fcsaadesidir. \u00c7\u00fcnk\u00fc \u00fcretimin devam\u0131 i\u00e7in paraya ka\u00e7\u0131n\u0131lmaz bir ihtiya\u00e7 hissedilir. \u0130sl\u00e2m Hukuku&#8217;nda me\u015fru olan d\u00f6rt \u00e7e\u015fit al\u0131\u015fveri\u015ften biri de selemdir. Tekrar hat\u0131rlatal\u0131m, <b><i>Selem k\u0131saca, para pe\u015fin, mal veresiye olmak \u00fczere yap\u0131lan al\u0131\u015fveri\u015ftir.<\/i><\/b> Selem&#8217;e, ayn\u0131 mana ve vezne sahip olan &#8220;selef\u201d de denir. \u0130kisi de teslim ve takdim etmek manas\u0131na gelir. Selem denilmesi, al\u0131\u015f-veri\u015f meclisinde \u00fccretin pe\u015fin olarak teslim edilmesine binaendir. Selef denilmesi ise \u00fccretin mala takdim edilmesi nedeniyledir.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Selem akdi, ilk bak\u0131\u015fta yok olan bir \u015feyin sat\u0131\u015f\u0131 olmas\u0131 cihetiyle k\u0131yasa muhalif zannedilse de, Efendimiz taraf\u0131ndan ihtiyaca binaen me\u015fru k\u0131l\u0131nm\u0131\u015f ve m\u00fcsaade edilmi\u015ftir. Me\u015fruiyeti, kitap, s\u00fcnnet ve icma ile sabittir. Kitaptan delil, Bakara suresinin, mudayene ayeti de denilen 282. ayetidir ki, ibni Abbas (RA) buna \u201cSelem ayeti\u201d demektedir. S\u00fcnnetten delil ise, \u015fu hadis-i \u015feriftir: &#8220;\u0130bn Abbas (r.a)&#8217;dan \u015f\u00f6yle rivayet edilmi\u015ftir. Resulull\u00e2h (sav) Medine&#8217;ye te\u015frif buyurdu\u011funda insanlar selem suretiyle bir iki sene vadeli al\u0131r-satarlard\u0131. Bunun \u00fczerine Resul-i Ekrem <b><i>&#8220;Kim hurma (gibi bir \u015fey almak)da selem tarikiyle al\u0131\u015f-veri\u015f ederse, miktar\u0131 (\u00d6l\u00e7ek veya kilogram\u0131) ma&#8217;lum olarak -yine \u0130bni Abbas&#8217;tan bir rivayette -muayyen bir vade ile al\u0131p-sats\u0131n&#8221;<\/i><\/b> buyurdu\u011fu<\/span><a id=\"ftnref3\" style=\"vertical-align: super;\" href=\"#ftn3\"><sup><sup>[3]<\/sup><\/sup><\/a><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">yukar\u0131da zikredilmi\u015ftir. \u0130cma&#8217;a gelince, b\u00fct\u00fcn mezhepler selem tarikiyle yap\u0131lan al\u0131\u015f-veri\u015fi kabul etmi\u015fler ve caiz g\u00f6rm\u00fc\u015flerdir.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 14pt; font-family: 'Arial','sans-serif';\">SELEM Senedi (Sipari\u015f) Kredisi:<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 14pt; font-family: 'Arial','sans-serif';\">\u00d6zetle <\/span><\/b><b><span style=\"font-size: 14pt; font-family: 'Arial Black','sans-serif';\">Selem;<\/span><\/b><b><span style=\"font-size: 14pt; font-family: 'Arial','sans-serif';\"> para pe\u015fin, mal veresiye olmak \u00fczere yap\u0131lan al\u0131\u015fveri\u015f s\u00f6zle\u015fmeleridir<\/span><\/b><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">. Bu, kitap, s\u00fcnnet ve icma ile sabit ve caizdir, aklen, ilmen, ve vicdanen de gerekli ve ge\u00e7erlidir. &#8220;Selem; para pe\u015fin, mal veresiye yap\u0131lan senetle\u015fmedir&#8221; demek; Yani birka\u00e7 ay sonra \u00fcretilecek bu\u011fday, peynir, kuma\u015f vb. \u015feylerin, o g\u00fcnk\u00fc piyasa de\u011ferinden biraz daha d\u00fc\u015f\u00fck bir fiyatla sat\u0131l\u0131p pe\u015fin paras\u0131 al\u0131narak, kar\u015f\u0131l\u0131\u011f\u0131nda taahh\u00fct edilen mal\u0131n, \u00fcretildikten sonra \u00f6denmesidir. Bu durumda; pe\u015fin para veren al\u0131c\u0131 (t\u00fcketici) ucuza mal alm\u0131\u015f olacakt\u0131r. Bu paray\u0131 t\u00fcketiciden veya bankadan pe\u015fin ve faizsiz kredi olarak alan m\u00fcte\u015febbis ise, \u00fcretimi ger\u00e7ekle\u015ftirmek ve i\u015fini geni\u015flettirmek imk\u00e2n\u0131 bulacakt\u0131r. Ancak, selemin, faiz \u015f\u00fcphesinden uzak kalmas\u0131 ve me\u015fru say\u0131lmas\u0131 i\u00e7in \u015fu \u015fartlar\u0131 ta\u015f\u0131mas\u0131 gerekir:<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">1-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Para pe\u015fin olarak \u00f6denmelidir.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">2-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Mal\u0131n veresiye (en az bir ay gibi bir m\u00fcddet sonra) verilmesi gereklidir.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">3-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Pe\u015fin \u00f6denen paran\u0131n cinsi ve miktar\u0131 mutlaka belirtilmelidir. (45 Cumhuriyet alt\u0131n\u0131 7000 TL, 2000 ABD dolar\u0131, 3000 Euro, gibi)<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">4-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Pe\u015fin al\u0131nan para kar\u015f\u0131l\u0131\u011f\u0131nda sonradan verilmesi taahh\u00fct edilen mal\u0131n,<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u00a0 \u00a0a. Cinsi (bu\u011fday &#8211; peynir &#8211; kuma\u015f gibi)<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u00a0 \u00a0b. Nev&#8217;i (yerli bu\u011fday, ka\u015far peyniri, yazl\u0131k terlen kuma\u015f gibi)<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u00a0 \u00a0c. Miktar\u0131 (300 kg., 5 teneke, 170 m. gibi)<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u00a0 \u00a0d. S\u0131fat\u0131 (s\u00fcper, iyi, orta, d\u00fc\u015f\u00fck kalite gibi) her halde belirtilmi\u015f olmal\u0131d\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">5-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Mal\u0131n teslim edilece\u011fi yerin ve zaman\u0131n g\u00f6sterilmesi \u015fartt\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">6-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Bu mal\u0131n kararla\u015ft\u0131r\u0131lan mek\u00e2n ve mevsimde piyasada bulunur cinsten olmas\u0131 l\u00e2z\u0131md\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">7-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Selem yap\u0131lan iki bedelin (paran\u0131n ve mal\u0131n) faiz illetine kar\u0131\u015fmamas\u0131 i\u00e7in, farkl\u0131 cins ve miktarda olmas\u0131 esast\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 14pt; font-family: 'Arial','sans-serif';\">B\u00fct\u00fcn bu \u015fartlar\u0131n faize d\u00f6n\u00fc\u015fmemesi i\u00e7in a\u015fa\u011f\u0131daki esaslar\u0131n da uygulanmas\u0131 gerekir. Bu esaslar \u0130bni Abbas (ra) Hazretlerinin selem ayeti dedi\u011fi, Bakara 282 ve 283. ayetlerinden \u00e7\u0131kar\u0131lm\u0131\u015ft\u0131r. \u015e\u00f6yle ki:<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">A-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Selemin mutlaka yaz\u0131lmas\u0131 (selem senedi veya sipari\u015f senedi \u015feklinde)<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">B-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Bu senedin devlet teminat\u0131 alt\u0131nda bulunmas\u0131, yani resmi olmas\u0131<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">C-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Bu senetlerde alacakl\u0131n\u0131n de\u011fil, sadece bor\u00e7lunun belirtilmesi,<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">D- <\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Selem senetlerinin <b>&#8220;Hamiline&#8221;<\/b> \u015feklinde d\u00fczenlenmesi,<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">E- <\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Taahh\u00fct edilen mal\u0131n belirlenen yer ve zaman, miktar ve evsafta teslim edilmemesi halinde bunu tazmin etmek \u00fczere yeterli bir ipotek al\u0131nmas\u0131 ve teminat g\u00f6sterilmesi.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">F-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Selemle sat\u0131\u015fa konu olan mal\u0131n \u015fartlara ve standartlara uygunlu\u011funu kontrol edecek resmi bir te\u015fkilat\u0131n bulunmas\u0131 gerekir.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u0130lk bak\u0131\u015fta selemin (para pe\u015fin, &#8211; biraz ucuz say\u0131larak &#8211; mal veresiye al\u0131\u015fveri\u015fin) faize benzedi\u011fi zan ve iddia edilir ama bu asla do\u011fru de\u011fildir. \u015eimdi faizi haram ve haks\u0131z, selemi caiz ve yararl\u0131 k\u0131lan; \u0130slam&#8217;\u0131n hangi hikmet ve hedefleri esas ald\u0131\u011f\u0131n\u0131 ve faizle selemin farklar\u0131n\u0131 ortaya koyal\u0131m.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u00d6nce faiz nedir?<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> 1- Faiz, \u201czamanla artan bor\u00e7\u201d olmaktad\u0131r:<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u00d6rne\u011fin 1 milyon bor\u00e7 verilir. Her ay %&#8217;de \u015fu kadar artarak katlan\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">2- Faiz; zarara kat\u0131lmayan k\u00e2rd\u0131r:<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Para bir taraftan, emek di\u011fer taraftan, hem k\u00e2ra hem de zarara kat\u0131lmak \u00fczere kurulan bir ortakl\u0131k caizdir, ama sadece ben parama kar\u015f\u0131l\u0131k \u015fu kadar kar isterim, zarara kar\u0131\u015fmam demek ise faizdir.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">3- Faiz; misliyattan al\u0131nan fazlal\u0131k ve kirad\u0131r:<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Bu\u011fday, arpa, toz \u015feker gibi ayn\u0131 cins \u00fcretim mallar\u0131n\u0131n bor\u00e7 al\u0131n\u0131p, sonradan geri \u00f6denirken verilen fazlal\u0131k faizdir.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">4- Faiz; ba\u015fkas\u0131n\u0131n zarar\u0131na do\u011fan kazan\u00e7t\u0131r ve kar\u015f\u0131l\u0131ks\u0131z bas\u0131lan parad\u0131r:<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Adil D\u00fczen\u2019de as\u0131l olan <b>&#8220;para paray\u0131 do\u011furur&#8221; <\/b>de\u011fil, &#8220;<b>para, emek ve \u00fcretmek kar\u015f\u0131l\u0131\u011f\u0131d\u0131r&#8221;<\/b> d\u00fcsturudur. Faiz, \u00e7al\u0131\u015fmadan veya \u00fcretmeden, ba\u015fkalar\u0131n\u0131n kazanc\u0131n\u0131 ve hakk\u0131n\u0131 s\u00f6m\u00fcrmek, ba\u015fka bir ifadeyle <b>&#8220;\u00fcretmeden t\u00fcketme hakk\u0131 elde etmek&#8221;<\/b> demektir ki bu a\u00e7\u0131k bir haks\u0131zl\u0131k ve bir nevi h\u0131rs\u0131zl\u0131kt\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Faizle Selemin fark\u0131na gelince:<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial Black','sans-serif';\">a<\/span><\/b><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">&#8211;<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Faiz, mal\u0131 \u00f6nceden al\u0131p paras\u0131n\u0131 sonradan \u00f6demek \u015feklinde oldu\u011fu i\u00e7in -vade fark\u0131ndan dolay\u0131- fiyatlar art\u0131yor ve enflasyonu k\u00f6r\u00fckl\u00fcyor.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Selemde ise paray\u0131 pe\u015fin verip mal sonradan al\u0131nd\u0131\u011f\u0131 i\u00e7in fiyatlar\u0131 d\u00fc\u015f\u00fcr\u00fcyor ve enflasyonu \u00f6nl\u00fcyor.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial Black','sans-serif';\">b<\/span><\/b><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">&#8211;<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Faiz, daha paras\u0131n\u0131 \u00f6demeden ve kar\u015f\u0131l\u0131\u011f\u0131nda bir \u015fey \u00fcretmeden \u00f6nce &#8220;<b>pe\u015fin t\u00fcketim&#8221;<\/b> yapt\u0131r\u0131yor. B\u00f6ylece <b>&#8220;bor\u00e7lu ya\u015fama&#8221;<\/b> d\u00fczenini do\u011furup, ekonomik dengeyi bozuyor.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Selemde ise \u00f6nce paras\u0131 \u00f6deniyor, t\u00fcketim sonraya b\u0131rak\u0131l\u0131yor. B\u00f6ylece hem \u00fcretime destek verilip te\u015fvik ediliyor, hem de <b>&#8220;dengeli ya\u015fama d\u00fczeni&#8221;<\/b> kuruluyor.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial Black','sans-serif';\">c<\/span><\/b><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">&#8211;<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Adil D\u00fczen&#8217;deki selem (Sipari\u015f) senedi <b>&#8220;mal\u0131&#8221;<\/b> temsil ediyor. Bug\u00fcnk\u00fc senetler ise <b>&#8220;para&#8221;<\/b> yerine ge\u00e7ti\u011fi i\u00e7in mevcut para de\u011ferini ve al\u0131m g\u00fcc\u00fcn\u00fc otomatikman d\u00fc\u015f\u00fcr\u00fcyor.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial Black','sans-serif';\">d<\/span><\/b><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">&#8211;<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Faizli krediler; i\u015fletmeyi k\u00fc\u00e7\u00fclt\u00fcr, \u00fcretimi d\u00fc\u015f\u00fcr\u00fcr ve i\u015fsizli\u011fi art\u0131r\u0131r. Selem kredisi ise tam aksine i\u015fletme kapasitesini b\u00fcy\u00fclt\u00fcyor, \u00fcretimi art\u0131r\u0131yor ve i\u015fsizli\u011fi \u00f6nl\u00fcyor.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial Black','sans-serif';\">e<\/span><\/b><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">&#8211;<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Selem senetleri zaten <b>&#8220;Hamiline&#8221; <\/b>(ta\u015f\u0131yana) yaz\u0131l\u0131 oldu\u011fu i\u00e7in icab\u0131nda para gibi i\u015flem g\u00f6r\u00fcyor. B\u00f6ylece selem yoluyla faizsiz kredi bulabilen hi\u00e7 kimse, art\u0131k faizli krediye mecbur kalm\u0131yor ve itibar etmiyor.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Yani sadece <b>&#8220;selem m\u00fcessesesi&#8221;<\/b> bile faiz yuvalar\u0131n\u0131 kurutmaya yetecektir. Bu nedenle &#8220;<b>Atom bombas\u0131yla sarsamayaca\u011f\u0131n\u0131z Siyonist s\u00f6m\u00fcr\u00fc sistemini selem senediyle y\u0131kabilirsiniz&#8221;<\/b> s\u00f6z\u00fc, asla m\u00fcbala\u011fa olmay\u0131p gayet ilmi ve insani bir ger\u00e7e\u011fin ifadesidir.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 14pt; font-family: 'Arial','sans-serif';\">Selem konusunun anla\u015f\u0131lmas\u0131 i\u00e7in, g\u00fcn\u00fcm\u00fczde pek \u00e7ok insan\u0131n kafas\u0131na tak\u0131lan ve s\u0131k\u00e7a kar\u015f\u0131m\u0131za \u00e7\u0131kan: &#8220;Faizsiz bir d\u00fczende ihtiya\u00e7 duyulan krediler nas\u0131l ve nereden sa\u011flanacakt\u0131r?&#8221; sorusunu yan\u0131tlayal\u0131m.<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u00d6ncelikle \u015fu \u00fc\u00e7 hususu belirtmemiz gerekiyor:<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">1-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Adil D\u00fczen\u2019de di\u011fer ekonomik hizmetler yan\u0131nda, kredi i\u015flevini de y\u00fcr\u00fctecek olan faizsiz bankalar genellikle devlete ait hizmet kurulu\u015flar\u0131 olacakt\u0131r. Ve tabi isteyenler \u00f6zel banka da kuracakt\u0131r. Ancak ge\u00e7i\u015f s\u00fcrecinde faizle \u00e7al\u0131\u015fan \u00f6zel bankalara ve yat\u0131r\u0131lan paralara devlet garantisi sa\u011flanmayacakt\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">2-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Karz\u0131 Hasen Kurumu olan devlet bankalar\u0131nda, l\u00fcks ve gereksiz e\u015fya ithal etmek veya \u201c\u00e7e\u015fitli mallar\u0131 bolluk mevsiminde ucuza kapat\u0131p ihtiya\u00e7 duyuldu\u011funda pahal\u0131ya piyasaya s\u00fcrmek\u201d gibi yat\u0131r\u0131m ve \u00fcretime d\u00f6n\u00fck olmayan, sadece k\u00e2r ama\u00e7l\u0131 ticari krediler son bulacakt\u0131r. Krediler, sadece yat\u0131r\u0131m ve \u00fcretim ama\u00e7l\u0131 giri\u015fimlere sa\u011flanacakt\u0131r. B\u00f6ylece \u201cistihkarc\u0131l\u0131k-karaborsac\u0131l\u0131k\u201d hortumlamac\u0131l\u0131k devri kapanacakt\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">3-<\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"> Adil D\u00fczen&#8217;de devlet elektrik, su, ula\u015ft\u0131rma, savunma gibi temel hizmetleri yapmak ve makro planda ve \u00fclke \u00e7ap\u0131nda genel kalk\u0131nma planlar\u0131 ve organize projeleri haz\u0131rlamak d\u0131\u015f\u0131nda, hemen her t\u00fcrl\u00fc yat\u0131r\u0131m ve \u00fcretim i\u015flerinin <b>&#8220;\u00d6zel sekt\u00f6r&#8221;<\/b> taraf\u0131ndan y\u00fcr\u00fct\u00fclmesi esas al\u0131nacakt\u0131r. Bu nedenle kredi m\u00fcessesesi daha bir \u00f6nem ve \u00f6zellik kazan\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Yukar\u0131da da vurguland\u0131\u011f\u0131 gibi Adil D\u00fczen&#8217;de &#8220;Faizsiz Kredi&#8221;lerin kimlere ve hangi kriterlerle verilece\u011fini \u00f6nemine binaen tekrar etmemiz yerindedir:<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">1- K\u00e2r Ortakl\u0131\u011f\u0131 anla\u015fmalar\u0131na.<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><\/span><\/b><span style=\"font-size: 12pt; font-family: Arial, sans-serif;\">\u00a0 \u00a0a. Sermaye sahipleri tesisleri fabrikay\u0131 kurarak<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: Arial, sans-serif;\"><\/span><span style=\"font-size: 12pt; font-family: Arial, sans-serif;\">\u00a0 \u00a0b. Y\u00f6neticiler i\u015fletmecilik yaparak<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: Arial, sans-serif;\"><\/span><span style=\"font-size: 12pt; font-family: Arial, sans-serif;\">\u00a0 \u00a0c. \u0130\u015f\u00e7i ve ustalar emekleriyle kat\u0131larak<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: Arial, sans-serif;\"><\/span><span style=\"font-size: 12pt; font-family: Arial, sans-serif;\">\u00a0 \u00a0d. Banka ve \u015firket sahipleri tesis i\u00e7in gerekli hammaddeyi bularak<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: Arial, sans-serif;\"><\/span><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\"><span style=\"font-size: 12pt; line-height: 115%; font-family: Arial, sans-serif;\">\u00a0 \u00a0e. Devlet ise; kanalizasyon, elektrik ve telefon gibi altyap\u0131, su ve elektrik gibi genel hizmetleriyle destek \u00e7\u0131karak kurulacak <strong>&#8220;K\u00e2r Ortakl\u0131\u011f\u0131&#8221;<\/strong> yat\u0131r\u0131mlar\u0131na yeteri kadar faizsiz kredi sa\u011flanacakt\u0131r.<\/span><\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">2- Hakk\u0131 M\u00fckteseb Kredisi:<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Elinde ihtiya\u00e7 fazlas\u0131 paras\u0131 olan kimseler, bunu faizsiz bankaya yat\u0131r\u0131rsa, bankada b\u0131rakt\u0131\u011f\u0131 paras\u0131n\u0131n miktar\u0131 ve zaman\u0131 kadar kredi kullanma hakk\u0131 do\u011facakt\u0131r. \u00d6rne\u011fin bankaya 100 milyon yat\u0131r\u0131p 1 y\u0131l bekleten bir insan, ba\u015fkalar\u0131n\u0131n 1 y\u0131l boyunca bu 100 milyondan kredi olarak yararlanmalar\u0131n\u0131 sa\u011flad\u0131\u011f\u0131 i\u00e7in &#8211; isterse kendi paras\u0131ndan hari\u00e7 bankadan 100 milyon kredi al\u0131p 12 ay kullanacak veya toplam 1 trilyon 200 milyon al\u0131p 1 ay kullanma hakk\u0131na sahip olacakt\u0131r. B\u00f6yle bir sistemde herkes, ileride kredi hakk\u0131 do\u011fsun diye, birikmi\u015f paras\u0131n\u0131 kar\u015f\u0131l\u0131ks\u0131z bankaya yat\u0131racakt\u0131r. Bu \u0130slam&#8217;daki <b>&#8220;Karz-\u0131 hasen&#8221;<\/b> m\u00fcessesesinin \u015fimdi \u00e7a\u011fda\u015f ve evrensel Adil D\u00fczende devlet garantisi ve organizesiyle y\u00fcr\u00fct\u00fclmesi anlam\u0131n\u0131 ta\u015f\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">3- Emek Kredisi:<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">\u00d6zel ve t\u00fczel kurulu\u015flar at\u00f6lye ve fabrikalar\u0131nda \u00e7al\u0131\u015ft\u0131racaklar\u0131 i\u015f\u00e7i say\u0131s\u0131na g\u00f6re, \u201c\u00f6zel emek kredisi\u201d alma hakk\u0131na sahiptirler. Bu daha fazla i\u015f\u00e7i \u00e7al\u0131\u015ft\u0131rmak i\u00e7in i\u015fletmeyi ve \u00fcretimi art\u0131rmay\u0131 te\u015fvik eden bir unsur olacakt\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">4- Rehin Kredisi:<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Elinde \u00fcretti\u011fi ve o an satmak istemedi\u011fi zirai mallar\u0131 veya s\u0131nai mamulleri bulunan kimseler isterlerse bunlar\u0131 rehin b\u0131rakarak, de\u011ferinin yar\u0131s\u0131ndan fazla kredi alacakt\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">5- <\/span><\/b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Adil D\u00fczende, \u201c<b>her m\u00fckellefin devlete \u00f6dedi\u011fi vergi\u201d <\/b>nispetinde ayr\u0131ca ilave kredi alma hakk\u0131 do\u011facakt\u0131r.<\/span><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><b><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">6- Yat\u0131r\u0131m projesi kredisi:<\/span><\/b><\/p>\n<p style=\"margin-bottom: 0.0001pt; text-align: justify; text-indent: 14.2pt; line-height: normal;\"><span style=\"font-size: 12pt; font-family: 'Arial','sans-serif';\">Uygun projelerle bankaya ba\u015fvuran m\u00fcte\u015febbislere, ba\u011fl\u0131 olduklar\u0131 meslek odalar\u0131ndan <b>&#8220;Bu i\u015fe ehildir&#8221;<\/b> belgesini ve yine ba\u011fl\u0131 bulunduklar\u0131 ahlaki kurumdan <b>&#8220;Bu kimse emindir&#8221;<\/b> garantisini al\u0131p g\u00f6stermeleri halinde -bu ayn\u0131 zamanda onlara kefil oluyorlar demektir- kendilerine gerekli ve yeterli krediler sa\u011flanacakt\u0131r.<\/span><\/p>\n<p>\u00a0<\/p>\n<hr \/>\n<p style=\"text-align: justify;\"><a id=\"ftn1\" style=\"vertical-align: super;\" href=\"#ftnref1\">[1]<\/a><span style=\"font-size: 9pt; font-family: 'Arial','sans-serif';\"> Diyanet Vakf\u0131 \u0130lmihali C.2 Sh: 365<\/span><\/p>\n<p style=\"text-align: justify;\"><a id=\"ftn2\" style=\"vertical-align: super;\" href=\"#ftnref2\">[2]<\/a><span style=\"font-size: 9pt; font-family: 'Arial','sans-serif';\"> M\u00fcslim, M\u00fcs\u00e2k\u00e2t 25<\/span><\/p>\n<p style=\"text-align: justify;\"><a id=\"ftn3\" style=\"vertical-align: super;\" href=\"#ftnref3\">[3]<\/a><span style=\"font-size: 9pt; font-family: 'Arial','sans-serif';\"> M\u00fcslim \u2013M\u00fcsakat 25<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0 \u00d6zel m\u00fclkiyeti ve \u00f6zg\u00fcr giri\u015fimi yasaklayan, devlet i\u00e7in fertleri feda edip insani yetenekleri k\u0131s\u0131rla\u015ft\u0131ran, temel hak ve h\u00fcrriyetleri k\u0131s\u0131tlayan, ahlak ve maneviyat\u0131 yozla\u015ft\u0131ran kom\u00fcnist sistem, hen\u00fcz bir insan \u00f6mr\u00fcn\u00fc bile doldurmadan \u00e7\u00fcr\u00fcd\u00fc ve Sovyetler Birli\u011fi \u00e7\u00f6kt\u00fc. Ard\u0131ndan, faiz ve f\u0131rsat\u00e7\u0131l\u0131k yoluyla s\u00f6m\u00fcr\u00fc sermayesini tekelle\u015ftiren; devletin dizginlerini ele ge\u00e7irip fertleri demokrat robotlar haline getiren; k\u00fcreselle\u015fme [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[169],"tags":[],"class_list":["post-3085","post","type-post","status-publish","format-standard","hentry","category-aralik-2014"],"_links":{"self":[{"href":"https:\/\/www.millicozum.com\/mc\/wp-json\/wp\/v2\/posts\/3085","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\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/www.millicozum.com\/mc\/wp-json\/wp\/v2\/comments?post=3085"}],"version-history":[{"count":0,"href":"https:\/\/www.millicozum.com\/mc\/wp-json\/wp\/v2\/posts\/3085\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.millicozum.com\/mc\/wp-json\/wp\/v2\/media?parent=3085"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.millicozum.com\/mc\/wp-json\/wp\/v2\/categories?post=3085"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.millicozum.com\/mc\/wp-json\/wp\/v2\/tags?post=3085"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}