{"id":33234,"date":"2014-05-05T22:42:05","date_gmt":"2014-05-05T19:42:05","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=33234"},"modified":"2014-05-05T23:29:36","modified_gmt":"2014-05-05T20:29:36","slug":"vatandas-nasil-batti","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/vatandas-nasil-batti\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Vatanda\u015f nas\u0131l batt\u0131?"},"content":{"rendered":"<p><em><strong><span style=\"line-height: 1.5em;\">Asl\u0131nda herkes durumun bat\u0131k oldu\u011funun fark\u0131nda da, ya itiraf edemiyor ya da elinden bir \u015fey gelmiyor. Bilhassa kredi kartlar\u0131 s\u00f6z konusu oldu\u011funda hamaseti eline alan birileri, \u2018harcamasayd\u0131\u2019 cinsinden nutuk atmaya ba\u015fl\u0131yorlar.<\/span><\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2526956330\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"9580705384\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>Esasen prensipte dedikleri do\u011fru, ama eksik. Vatanda\u015f \u2018harcad\u0131 m\u0131, harcamak zorunda m\u0131 kald\u0131\u2019yan\u0131t\u0131n\u0131 do\u011fru vermeden, s\u00f6ylenecek her s\u00f6z bo\u015ftur. Bir ekonomi modelini ve b\u00fcy\u00fcmeyi salt t\u00fcketim \u00fczerine kurarsan\u0131z, bunu beslemeniz i\u00e7in insanlar\u0131 bor\u00e7land\u0131rmaktan ba\u015fka sonu\u00e7 alamazs\u0131n\u0131z.<\/p>\n<p>Oysa temel prensip, \u00fcreten, kazanan, ortaya \u00e7\u0131kan refahtan pay alan ve bunu harcayan insanlardan olu\u015fan bir toplum yaratmakt\u0131r. Bak\u0131n her ay oldu\u011fu gibi enflasyon rakamlar\u0131 a\u00e7\u0131kland\u0131.<\/p>\n<p>Bunlar\u0131 bir grafik olu\u015fturabilmek ad\u0131na yap\u0131yorsan\u0131z, itiraz\u0131m yok. Lakin i\u015f burada bitmiyor. Y\u0131llard\u0131r bu \u00fclkede a\u00e7\u0131klanan enflasyon ile halk\u0131n enflasyonu tutmad\u0131. Peki bunun bor\u00e7lanmayla ne ilgisi var?<\/p>\n<p>Bu \u00fclkede zam alabilenin kriteri ne? \u00c7\u0131kan enflasyon verisi\u2026 E\u011fer siz y\u0131llarca enflasyonu d\u00fc\u015f\u00fck g\u00f6stermek ad\u0131na verilerle oynarsan\u0131z, sadece kendinizi de\u011fil, halk\u0131 da kand\u0131rm\u0131\u015f ve kurban etmi\u015f olursunuz.<\/p>\n<p>E\u011fer bir \u00fclkede enflasyon \u00fczerinden maa\u015f zamm\u0131 yap\u0131l\u0131yorsa, ama bu ger\u00e7ek maliyeti yans\u0131tm\u0131yorsa erime ba\u015flar. Nitekim olan da budur. Her sene enflasyon oran\u0131nda zam alan, ama ya\u015fam maliyetleri l\u00fckse ka\u00e7madan ayn\u0131 kalabilen insan gizli iflasa s\u00fcr\u00fcklenir.<\/p>\n<p>Ard\u0131ndan o fark\u0131, \u00f6nce kredi kart\u0131yla kapatmaya kalkar. Kredi kart\u0131 harcamalar\u0131na bakt\u0131\u011f\u0131n\u0131zda giyim ve g\u0131dan\u0131n a\u011f\u0131rl\u0131\u011f\u0131 olu\u015fturmas\u0131, temel ihtiya\u00e7lar\u0131n bu noktadan yap\u0131ld\u0131\u011f\u0131n\u0131n kan\u0131t\u0131.<\/p>\n<p>S\u00fcrekli eriyen ve i\u00e7eri giren, geliri d\u00fc\u015fen, gideri artan vatanda\u015f kredi kartlar\u0131nda bata\u011fa s\u00fcreklenince, bu sefer kurtar\u0131c\u0131 bireysel ihtiya\u00e7 kredileri oldu. Vatanda\u015f i\u00e7in de, esnaf i\u00e7in de ka\u00e7\u0131n\u0131lmaz son burada ba\u015flad\u0131.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1428435492\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"3167340272\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>Kart bor\u00e7lar\u0131n\u0131n kapat\u0131lmas\u0131 i\u00e7in tetiklenen ihtiya\u00e7 kredileri i\u015fi i\u00e7inden \u00e7\u0131k\u0131lmaz bir noktaya s\u00fcr\u00fckledi. Ard\u0131ndan kamuya ait olan bor\u00e7 \u00f6demelerinin de kredi kart\u0131yla yap\u0131labilmesi olana\u011f\u0131, giderlerini kar\u015f\u0131layamayan vatanda\u015f\u0131 bir di\u011fer bor\u00e7 bata\u011f\u0131na soktu.<\/p>\n<p>Bug\u00fcn kredi kartlar\u0131nda batak noktas\u0131na gelen bor\u00e7lular var. Ama as\u0131l \u00f6nemlisi asgari tutar \u00f6deyerek batmaya devam edenler. \u00c7\u00fcnk\u00fc \u00f6denen her asgari tutar,\u00a0esasen faizi \u00fcstlenerek kullan\u0131lan yeni kredidir.<\/p>\n<p>\u2018Harcamasayd\u0131\u2019 diye ortaya \u00e7\u0131kanlara duyurulur. Vatanda\u015ftan \u00f6nce, maa\u015f art\u0131\u015f birimini etkileyen enflasyonla oynayan ve memura, i\u015f\u00e7iye az zam vermek i\u00e7in rakamlar\u0131 bozan iktidar\u0131 sorgulay\u0131n. \u00c7\u00fcnk\u00fc y\u0131llar i\u00e7indeki erimenin ve bor\u00e7lanma ihtiyac\u0131n\u0131n artmas\u0131n\u0131n nedeni, rakamlar \u00fczerinden s\u00f6ylenen yaland\u0131r.<\/p>\n<p>Ve bug\u00fcn vatanda\u015f, esnaf, \u00fcretici batma noktas\u0131ndad\u0131r. Son soru \u015fu: Hepsi batarsa, bankalar kimden tahsilat yapacak? \u0130\u015fte size bir yalan r\u00fczg\u00e2r\u0131n\u0131n, batan yurtta\u015f\u0131 yaratma hik\u00e2yesi\u2026<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1511225395\"><ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-client=\"ca-pub-7495567325667578\"\r\n     data-ad-slot=\"1818807385\"\r\n     data-ad-format=\"rectangle\"\r\n     data-full-width-responsive=\"true\"><\/ins>\r\n<script>\r\n(adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>Ama siz istiyorsan\u0131z yine s\u00f6ylenin kendi kendinize: Harcamasayd\u0131. Sonu\u00e7 sadece hamasettir. Ne yanl\u0131\u015flar ortaya konulur ne de \u00e7\u00f6z\u00fcmler\u2026<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Asl\u0131nda herkes durumun bat\u0131k oldu\u011funun fark\u0131nda da, ya itiraf edemiyor ya da elinden bir \u015fey gelmiyor. Bilhassa kredi kartlar\u0131 s\u00f6z konusu oldu\u011funda hamaseti eline alan&hellip;<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[904,808,801],"class_list":["post-33234","post","type-post","status-publish","format-standard","hentry","category-tumyazilar","tag-cetin-unsalan-yazilari","tag-ekonomi-makaleleri","tag-ekonomi-yazarlari-listesi"],"_links":{"self":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/33234","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/comments?post=33234"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/33234\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=33234"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=33234"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=33234"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}