{"id":40917,"date":"2015-08-26T21:57:38","date_gmt":"2015-08-26T18:57:38","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=40917"},"modified":"2015-08-26T23:15:59","modified_gmt":"2015-08-26T20:15:59","slug":"hadi-biraz-daha-batalim","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/hadi-biraz-daha-batalim\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Hadi biraz daha batal\u0131m"},"content":{"rendered":"<p><em><strong>D\u00fcnya ticaretinde son 6 y\u0131l\u0131n en b\u00fcy\u00fck d\u00fc\u015f\u00fc\u015f\u00fc ya\u015fand\u0131. Piyasalar \u00e7ok ciddi bir i\u015f, tahsil\u00e2t ve hacim s\u0131k\u0131nt\u0131s\u0131 \u00e7ekiyor. Esnaf \u00e7ok zor durumda; t\u0131pk\u0131 KOB\u0130\u2019ler, b\u00fcy\u00fck i\u015fletmeler, \u00e7al\u0131\u015fanlar gibi\u2026 Bunlar\u0131n hepsine kabul; ama \u00e7\u00f6z\u00fcm\u00fc de belli bir hesap kitap i\u00e7erisinde aramak laz\u0131m.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2751861681\"><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>&nbsp;<\/p>\n<p>T\u00fcrkiye\u2019de esnaf\u0131 temsil eden bir numaral\u0131 isimden bahsediyorum. Asl\u0131nda y\u0131llarca bu u\u011furda m\u00fccadele vermi\u015f; \u00f6zellikle marketlere kar\u015f\u0131 s\u00fcrecin en \u00e7ok emek harcayanlar\u0131ndan biri kendisi: T\u00fcrkiye Esnaf ve Sanatk\u00e2rlar\u0131 Konfederasyonu Ba\u015fkan\u0131 Bendevi Paland\u00f6ken\u2026<\/p>\n<p>&nbsp;<\/p>\n<p>Ama kendisini \u00f6zellikle son 2 -3 y\u0131lda tan\u0131makta zorlan\u0131yorum. Talep i\u00e7eren son a\u00e7\u0131klamas\u0131 ise ak\u0131llara zarar\u2026 Siyasi belirsizlik nedeniyle t\u00fcketicilerin harcamalar\u0131n\u0131 k\u0131s\u0131tlad\u0131\u011f\u0131n\u0131 belirten TESK Ba\u015fkan\u0131 diyor ki:<\/p>\n<p>&nbsp;<\/p>\n<p>\u201cKredi kart\u0131nda taksit s\u0131n\u0131r\u0131n\u0131n kald\u0131r\u0131lmas\u0131 konusunda Bankalar Birli\u011fi\u2019nin yapm\u0131\u015f oldu\u011fu \u00e7al\u0131\u015fma son derece olumlu. Ekonominin yeniden canlanabilmesi i\u00e7in kredi kart\u0131na taksit s\u0131n\u0131r\u0131 kald\u0131r\u0131lmal\u0131; t\u00fcketici kredilerindeki azami vade de 60 aya \u00e7\u0131kar\u0131lmal\u0131d\u0131r.\u201d<\/p>\n<p>&nbsp;<\/p>\n<p>\u015eimdi elmayla armudu birbirine kar\u0131\u015ft\u0131rmayal\u0131m. T\u00fcrkiye\u2019de taksitli bir ya\u015fam s\u00fcr\u00fcld\u00fc\u011f\u00fc a\u00e7\u0131k\u2026 Bu nedenle daha \u00f6nce yap\u0131lan ani fren yerine, kademeli ge\u00e7i\u015f do\u011frusuydu ve belki de Bankalar Birli\u011fi bunun i\u00e7in biraz da \u00e7aresizlikten ad\u0131m at\u0131yor.<\/p>\n<p>&nbsp;<\/p>\n<p>Fakat Paland\u00f6ken\u2019in s\u00f6zlerindeki hatalara dikkat \u00e7ekmek ve kendisini de tekrar d\u00fc\u015f\u00fcnmeye davet etmek gerekiyor. \u00d6ncelikle piyasadaki daralman\u0131n nedeni siyasi belirsizlik de\u011fil. K\u00fc\u00e7\u00fck \u00e7apta etkisi olsa da, as\u0131l sorun kumar ekonomisinin art\u0131k d\u00f6nd\u00fcr\u00fclemez bir hale gelmi\u015f olmas\u0131\u2026<\/p>\n<p>&nbsp;<\/p>\n<p>Buna i\u015fsizlik, tahsil\u00e2t s\u0131k\u0131nt\u0131s\u0131, kredi kartlar\u0131n\u0131n patlam\u0131\u015f, bireysel kredilerin \u015fi\u015fmi\u015f hali, enflasyon kar\u015f\u0131s\u0131nda insanlar\u0131n al\u0131m g\u00fcc\u00fcn\u00fcn s\u0131f\u0131rlanmas\u0131 gibi pek \u00e7ok neden saymak m\u00fcmk\u00fcn. Siyasi belirsizlik ise olsa da olur, olmasa da cinsinden ge\u00e7ici bir bahane; ortadan kalkt\u0131\u011f\u0131nda da sorun bitmiyor.<\/p>\n<p>&nbsp;<\/p>\n<p>Gelelim en \u00e7arp\u0131c\u0131 teklife: Vade 60 aya \u00e7\u0131kar\u0131ls\u0131n\u2026 \u00a0Bu talebi anlamak m\u00fcmk\u00fcn de\u011fil. Birincisi bunu finanse edecek bir kaynak yok. \u0130kinci b\u00f6yle bir kaynak bulunsa, bunun \u00f6denmesi ad\u0131na vatanda\u015fta b\u00f6yle bir b\u00fct\u00e7e yok.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2894117760\"><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>&nbsp;<\/p>\n<p>\u00dc\u00e7\u00fcnc\u00fcs\u00fc oldu da bulundu; bu para esnafa m\u0131 kalacak? Yine marketlerde harcanacak, sak\u0131z almaya da bakkala gidilecek. D\u00f6rd\u00fcnc\u00fcs\u00fc bir \u00fcr\u00fcn\u00fcn vadesinin \u00f6mr\u00fcnden daha uzun olmas\u0131n\u0131 nas\u0131l a\u00e7\u0131klayaca\u011f\u0131z? D\u00fc\u015f\u00fcnsenize bir ayakkab\u0131 ald\u0131n\u0131z eskidi, ama siz 5 senede \u00f6d\u00fcyorsunuz.<\/p>\n<p>&nbsp;<\/p>\n<p>Be\u015fincisi 60 ay vadeyle sat\u0131lacak bir \u00fcr\u00fcn\u00fc, hangi imalat\u00e7\u0131ya \u00fcrettireceksiniz? 5 sene sonra bu kafayla zaten o \u00fcretici hayatta olmaz. \u0130\u015fin dramatik boyutu, bu kadar b\u00fcy\u00fck problem varken, \u00e7\u00f6z\u00fcm ad\u0131na b\u00f6ylesi ciddiyetsiz \u00f6nerilerle ortaya \u00e7\u0131kmak. Dedim ya, Paland\u00f6ken\u2019e hi\u00e7 yak\u0131\u015fmad\u0131.<\/p>\n<p>&nbsp;<\/p>\n<p>Esnaf\u0131n durumu k\u00f6t\u00fc m\u00fc? K\u00f6t\u00fc\u2026 \u0130\u015flerin hareketlenmesine ihtiya\u00e7 var m\u0131? Var\u2026 Fakat \u00f6neri imk\u00e2ns\u0131z\u0131 istemek ve 60 ay vade talep etmekse, ger\u00e7ekten d\u00fc\u015f\u00fcn\u00fclen bir \u00e7\u00f6z\u00fcm yok demektir. Ke\u015fke bunu talep etmek yerine; siftahs\u0131z g\u00fcnler ge\u00e7iren esnaf\u0131 bu duruma d\u00fc\u015f\u00fcren politikalar\u0131 ele\u015ftirseydi. O zaman biz de derdik ki: Orada bir ba\u015fkan var.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3729396337\"><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","protected":false},"excerpt":{"rendered":"<p>D\u00fcnya ticaretinde son 6 y\u0131l\u0131n en b\u00fcy\u00fck d\u00fc\u015f\u00fc\u015f\u00fc ya\u015fand\u0131. Piyasalar \u00e7ok ciddi bir i\u015f, tahsil\u00e2t ve hacim s\u0131k\u0131nt\u0131s\u0131 \u00e7ekiyor. Esnaf \u00e7ok zor durumda; t\u0131pk\u0131 KOB\u0130\u2019ler,&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-40917","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\/40917","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=40917"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/40917\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=40917"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=40917"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=40917"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}