{"id":44635,"date":"2016-03-23T21:50:39","date_gmt":"2016-03-23T19:50:39","guid":{"rendered":"http:\/\/www.bilgeyatirimci.com\/?p=44635"},"modified":"2016-03-24T08:53:16","modified_gmt":"2016-03-24T06:53:16","slug":"tuketici-guveni-artti-mi","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/tuketici-guveni-artti-mi\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; T\u00fcketici g\u00fcveni artt\u0131 m\u0131?"},"content":{"rendered":"<p><em><strong>T\u00fcrkiye\u2019de bir g\u00fcven s\u00f6ylemi s\u00fcr\u00fcp gidiyor. Normal hayat\u0131m\u0131zdaki g\u00fcvenlikten bahsetmiyorum. Onun durumunun zaten hi\u00e7 ho\u015f olmad\u0131\u011f\u0131n\u0131 biliyoruz. D\u00fc\u015f\u00fcnceni s\u00f6yleme konusundaki g\u00fcven de s\u00f6z etmiyorum. \u00c7\u00fcnk\u00fc buradaki g\u00fcven kiminle ayn\u0131 \u015feyi d\u00fc\u015f\u00fcnd\u00fc\u011f\u00fcn\u00fczle orant\u0131l\u0131..<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-4161672405\"><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>Ben ekonomik g\u00fcvenden bahsediyorum. Reel sekt\u00f6r\u00fcn g\u00fcveninden bahsediliyor. \u00d6yle uzun ve rakamsal analizlere gerek yok. Basit bir soruyu herkes kendi kendine cevaplasa durum a\u00e7\u0131\u011fa kavu\u015fur.<\/p>\n<p>&nbsp;<\/p>\n<p>\u00d6rne\u011fin bir i\u015fadam\u0131, k\u00fc\u00e7\u00fck ya da b\u00fcy\u00fck bir i\u015fletmenin sahibi, bug\u00fcn\u00fcn gerek T\u00fcrkiye ekonomisinin durumuna, gerekse d\u00fcnyadaki iktisadi geli\u015fmelere bakarak milyon dolarl\u0131k bir yat\u0131r\u0131m\u0131n alt\u0131na girer mi? \u00d6z sermaye ile yap\u0131lanlardan bahsetmiyorum. Sorunun daha net anla\u015f\u0131labilmesi i\u00e7in krediden ya da bor\u00e7lanma penceresinden meseleye bak\u0131n.<\/p>\n<p>&nbsp;<\/p>\n<p>Mevcut i\u015fletmelerini ayakta tutmakta zorlanan insanlar, istatistik kurumlar\u0131n\u0131n ya da meslek \u00f6rg\u00fctlerinin a\u00e7\u0131klad\u0131\u011f\u0131 endekslere dayanarak at\u0131l\u0131m yapar m\u0131?<\/p>\n<p>&nbsp;<\/p>\n<p>Gelelim t\u00fcketici g\u00fcvenine\u2026 Eyl\u00fcl 2015\u2019teki \u00e7ak\u0131lman\u0131n ard\u0131ndan, zorlamalarla toparlanan ve \u015eubat 2016\u2019da y\u00fczde 7\u2019lik bir sert d\u00fc\u015f\u00fc\u015fle tekrar ger\u00e7e\u011fi y\u00fcz\u00fcm\u00fcze \u00e7arpan endeks, mart ay\u0131nda y\u00fczde 0,5 y\u00fckseli\u015f g\u00f6stererek 67 puana y\u00fckseldi.<\/p>\n<p>&nbsp;<\/p>\n<p>T\u00fcketici Sorunlar\u0131 Derne\u011fi Finans Komisyonu \u00dcyesi \u0130slam Memi\u015f de nisan ay\u0131nda g\u00fcvenin biraz daha y\u00fckselece\u011fini a\u00e7\u0131klad\u0131. 100 puan\u0131n n\u00f6tr nokta oldu\u011funu dikkate al\u0131rsan\u0131z, sadece endeksten bile yerlerde s\u00fcr\u00fcnen bir g\u00fcveni g\u00f6rebilirsiniz.<\/p>\n<p>&nbsp;<\/p>\n<p>Ama y\u00f6nlendirilmeye merakl\u0131ysan\u0131z hayat\u0131n\u0131zdan terc\u00fcmesini yap\u0131n. Mesela \u015fu anda yar\u0131n i\u015finiz oldu\u011funa dair bir g\u00fcvenceniz var m\u0131? Ger\u00e7ekten yar\u0131n i\u015fsiz kalmayaca\u011f\u0131n\u0131za dair g\u00fcven duyuyor musunuz?<\/p>\n<p>&nbsp;<\/p>\n<p>\u0130\u015fsizli\u011fin h\u0131zla y\u00fckseldi\u011fi bir ortamda, \u015fartlar\u0131n daha da d\u00fczelece\u011fini d\u00fc\u015f\u00fcn\u00fcyor musunuz? Yapal\u0131m sa\u011flamas\u0131n\u0131\u2026 Bug\u00fcn 20 y\u0131l vadeli bir ev ya da araba kredisi al\u0131r m\u0131s\u0131n\u0131z? Kredi kart\u0131n\u0131zdan harcama yaparken, d\u00fc\u015f\u00fcnmeden mi \u00f6deme yap\u0131yorsunuz? Mesela alt\u0131n ya da dolar ile bor\u00e7lan\u0131r m\u0131s\u0131n\u0131z?<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-567778421\"><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>Ka\u00e7\u0131n\u0131z bug\u00fcnden tatil rezervasyonu yapt\u0131? Taksitleri \u00f6deyip \u00f6deyememe konusunda endi\u015fe ya\u015famayan ka\u00e7 insan var? Y\u00fcksek bir harcama yapmadan \u00f6nce ne kadar d\u00fc\u015f\u00fcn\u00fcyorsunuz? Sizi kayg\u0131land\u0131ran ne?<\/p>\n<p>&nbsp;<\/p>\n<p>Sizleri bilemem ama, 24 milyon icra dosyas\u0131n\u0131n varoldu\u011fu \u00fclkemizde, 18 Eyl\u00fcl 2015 tarihinde T\u00dc\u0130K taraf\u0131ndan yay\u0131nlanan ve muhtemelen de iyimserlikle desteklenen \u2018Gelir ve Ya\u015fam Ko\u015fullar\u0131 Ara\u015ft\u0131rmas\u0131\u2019na g\u00f6re:<\/p>\n<p>&nbsp;<\/p>\n<p>\u201cN\u00fcfusun, y\u00fczde 66,5\u2019i konut al\u0131m\u0131 ve konut masraflar\u0131 d\u0131\u015f\u0131nda taksit \u00f6demeleri ve bor\u00e7lar\u0131 oldu\u011funu, y\u00fczde 68,7\u2019si evden uzakta bir haftal\u0131k tatili, y\u00fczde 29\u2019u beklenmedik harcamalar\u0131n\u0131 ve y\u00fczde 68,4\u2019\u00fc y\u0131pranm\u0131\u015f ve eskimi\u015f mobilyalar\u0131n\u0131 yenileme ihtiyac\u0131n\u0131 ekonomik nedenlerle kar\u015f\u0131layamad\u0131\u011f\u0131n\u0131 beyan etti. Maddi yoksunluk ya\u015fayanlar\u0131n oran\u0131 ise y\u00fczde 29,4 oldu. S\u00fcrekli yoksulluk oran\u0131 da y\u00fczde 15,1.\u201d<\/p>\n<p>&nbsp;<\/p>\n<p>Ne var bunda diyebilirsiniz. O zaman da uluslararas\u0131 insani geli\u015fmi\u015flik kriterlerine bakman\u0131z\u0131 \u00f6neririm. \u00c7\u00fcnk\u00fc bu normlara g\u00f6re insan gibi ya\u015fam\u0131yoruz. Bilhassa k\u00fclt\u00fcrel harcamalar k\u0131sm\u0131na girdi\u011finizde yerlerde s\u00fcr\u00fcn\u00fcyoruz.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-4171561553\"><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>&nbsp;<\/p>\n<p>Peki bu tablodan ve hatta at\u0131n istatistikleri \u00e7\u00f6pe, kendi hayat\u0131n\u0131zdan ve \u00e7evrenizden sa\u011flamas\u0131n\u0131 yapt\u0131\u011f\u0131n\u0131zda ortada gelece\u011fe dair bir g\u00fcven g\u00f6r\u00fcyor musunuz? Bu \u00fclkede ka\u00e7 insan gelece\u011fe kar\u015f\u0131 kendisini g\u00fcvende hissediyor?<\/p>\n<p>&nbsp;<\/p>\n<p>Bu ger\u00e7ekler ortadayken, rakamlar\u0131 artt\u0131rsan\u0131z ne olur; artt\u0131rmasan\u0131z ne olur? \u00dcstelik 100 birim puan\u0131n, 33 puan gerisinde bir \u00e7\u0131tay\u0131, olumlu diye yans\u0131tman\u0131n pespayeli\u011fi de cabas\u0131.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye\u2019de bir g\u00fcven s\u00f6ylemi s\u00fcr\u00fcp gidiyor. Normal hayat\u0131m\u0131zdaki g\u00fcvenlikten bahsetmiyorum. Onun durumunun zaten hi\u00e7 ho\u015f olmad\u0131\u011f\u0131n\u0131 biliyoruz. D\u00fc\u015f\u00fcnceni s\u00f6yleme konusundaki g\u00fcven de s\u00f6z etmiyorum. \u00c7\u00fcnk\u00fc&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-44635","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\/44635","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=44635"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/44635\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=44635"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=44635"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=44635"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}