{"id":45178,"date":"2016-04-27T02:12:19","date_gmt":"2016-04-26T23:12:19","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=45178"},"modified":"2016-04-27T08:55:09","modified_gmt":"2016-04-27T05:55:09","slug":"kredi-tesvik-ne-ettik","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/kredi-tesvik-ne-ettik\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Kredi, te\u015fvik ne ettik?"},"content":{"rendered":"<p><em><strong>Esnaf ve Sanatk\u00e2rlar\u0131 Kredi Kefalet Kooperatifleri Malatya B\u00f6lge Birli\u011fi Ba\u015fkan\u0131 \u0130smet Bayram isyan etti. Faizsiz verilen kredilerle, esnaf\u0131n o\u011flunun arabas\u0131n\u0131n modelini de\u011fi\u015ftirdi\u011fini s\u00f6yledi.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2297870747\"><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>Do\u011fru mu; do\u011fru\u2026 \u00d6zellikle 80\u2019li ve 90\u2019l\u0131 y\u0131llarda hem krediler, hem te\u015fvikler, hem de cirolar b\u00f6ylesine har vurup havran savruldu. 2 bin y\u0131llara geldi\u011fimizde ise durum de\u011fi\u015fti. Git gide t\u00fcketime y\u00f6nelen krediler, esnaf\u0131n, t\u00fcccar\u0131n, KOB\u0130\u2019nin bu enstr\u00fcmanlara ula\u015f\u0131m\u0131n\u0131 ya zorla\u015ft\u0131rd\u0131 ya da y\u00fcksek teminat bedelleriyle kar\u015f\u0131la\u015fmas\u0131na neden oldu.<\/p>\n<p>&nbsp;<\/p>\n<p>O kadar ki esnaf olarak alamad\u0131klar\u0131 kredileri, kredi kart\u0131ndan, ihtiya\u00e7 kredisinden edinmeye ba\u015flad\u0131lar. \u00c7\u00fcnk\u00fc yeni sistemde \u00fcretene ve onu destekleyen da\u011f\u0131t\u0131m kanal\u0131 zincirine ihtiya\u00e7 yoktu. D\u00fcn\u00fcn hatas\u0131, bug\u00fcn al\u0131n teriyle kazan\u0131lan paran\u0131n, piyangodan \u00e7\u0131kan para kadar tesad\u00fcf\u00fc hale gelmesini sa\u011flad\u0131.<\/p>\n<p>&nbsp;<\/p>\n<p>Ba\u015fkan Bayram, Malatya \u00f6zelinde bir durumdan m\u0131 bahsediyor; bilemiyorum. Ama T\u00fcrkiye genelini konu\u015facak olursak, bug\u00fcn esnaf ya finansa ula\u015fam\u0131yor veya demin s\u00f6yledi\u011fim y\u00f6ntemlerle ula\u015ft\u0131\u011f\u0131yla da ayakta durmaya u\u011fra\u015f\u0131yor.<\/p>\n<p>&nbsp;<\/p>\n<p>Peki, bundan bilin\u00e7siz kullan\u0131m\u0131n rol\u00fc var da, paray\u0131 arz etmede hata yok mu? \u015e\u00fcpheniz bile olmas\u0131n. Y\u0131llar i\u00e7inde alt\u0131ndaki arabay\u0131, yat\u0131, kat\u0131 de\u011fi\u015ftirenler; \u00fc\u00e7 kuru\u015f paraya ula\u015f\u0131nca mecburen vergi, SGK ya da piyasa bor\u00e7lar\u0131n\u0131 \u00f6der hale geldiler.<\/p>\n<p>&nbsp;<\/p>\n<p>Bu yap\u0131 d\u00fcnk\u00fc haliyle de, bug\u00fcnk\u00fc haliyle de sakatt\u0131r. \u00c7\u00fcnk\u00fc esasen te\u015fvikler, kooperatif kredileri, i\u015fletmenin geli\u015fimi amac\u0131yla verilir. \u0130\u015fte sorun burada ba\u015fl\u0131yor. Verdi\u011finiz krediyi neye g\u00f6re sundu\u011funuzu bilmez, sonra da takibini yapmazsan\u0131z, sadece bat\u0131k olu\u015fturursunuz.<\/p>\n<p>&nbsp;<\/p>\n<p>Fakat burada bir riyak\u00e2rl\u0131k da var. Kamu, bu paralar\u0131n i\u015f geli\u015fimi olarak kullan\u0131lmad\u0131\u011f\u0131n\u0131 biliyor. Ama esnaf\u0131n eline ge\u00e7eni ceza yememek i\u00e7in kendisine ula\u015ft\u0131rmas\u0131ndan da \u015fik\u00e2yet\u00e7i de\u011fil. Lakin temel sorun \u015fu: \u0130\u015fe yatmayan para, \u00f6deme zaman\u0131 geldi\u011finde ya spot piyasaya d\u00fc\u015fen mal\u0131, ya yeni bor\u00e7lar\u0131 ya da bulamazsa bataklar\u0131 olu\u015fturuyor.<\/p>\n<p>&nbsp;<\/p>\n<p>Bakanl\u0131\u011f\u0131 d\u00f6neminde Zafer \u00c7a\u011flayan\u2019a bir sohbet s\u0131ras\u0131nda \u015funu sormu\u015ftum: \u2018Neye g\u00f6re te\u015fvik veriyorsunuz?\u2019 Bana te\u015fvikli b\u00f6lgelerden bahsetti. Ben de kendisine dedim ki: \u2018Hay\u0131r bu \u00fclkede lobisi g\u00fc\u00e7l\u00fc olan te\u015fvik al\u0131yor.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2993380312\"><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>Sa\u011fl\u0131kl\u0131 bir sanayi envanterimiz var m\u0131? Yok\u2026 Sa\u011fl\u0131kl\u0131 bir tar\u0131m envanterimiz? Yok\u2026 \u0130\u015fg\u00fcc\u00fc envanterimizi yapt\u0131k m\u0131? Yok\u2026 N\u00fcfusumuzu bile do\u011fru d\u00fczg\u00fcn bilmiyoruz. \u00c7\u00fcnk\u00fc se\u00e7im meydanlar\u0131nda her \u00e7\u0131kan lider ba\u015fka bir rakamdan s\u00f6z ediyor. Elinizde bu veriler yoksa, gelece\u011fe y\u00f6nelik \u00f6ncelikli sekt\u00f6rlerinizi belirleyemezsiniz.<\/p>\n<p>&nbsp;<\/p>\n<p>Bilimsel verilere dayanmayan te\u015fvik sistemleri de, alt\u0131 delik \u00e7uvala para atmakt\u0131r.\u201d Anlam\u0131\u015f m\u0131yd\u0131; \u015f\u00fcpheliyim. Lakin i\u015fin \u00f6z\u00fc \u015fu: Esnaf kooperatifleri bug\u00fcn \u2018kimdensin\u2019 diyerek para da\u011f\u0131tmay\u0131 b\u0131rakmad\u0131k\u00e7a, \u00fclkede ticaret, \u00fcretim ger\u00e7ek manada sisteme oturtulmad\u0131k\u00e7a, gelecek planlanmad\u0131k\u00e7a k\u0131t kaynaklar\u0131 \u00e7\u00f6pe atars\u0131n\u0131z.<\/p>\n<p>&nbsp;<\/p>\n<p>Arada ba\u015fkan\u0131n biri de \u00e7\u0131kar b\u00f6yle 20 sene \u00f6ncesinde kalm\u0131\u015f gerek\u00e7eleri g\u00f6sterip, bug\u00fcn\u00fcn ger\u00e7e\u011fini karart\u0131r. Sonra m\u0131? Sene sonunda Millet\u00e7e zarar\u0131 kar\u015f\u0131lar\u0131z. Bu kadar basit.<\/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-120751454\"><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>Esnaf ve Sanatk\u00e2rlar\u0131 Kredi Kefalet Kooperatifleri Malatya B\u00f6lge Birli\u011fi Ba\u015fkan\u0131 \u0130smet Bayram isyan etti. Faizsiz verilen kredilerle, esnaf\u0131n o\u011flunun arabas\u0131n\u0131n modelini de\u011fi\u015ftirdi\u011fini s\u00f6yledi. &nbsp; Do\u011fru&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-45178","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\/45178","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=45178"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/45178\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=45178"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=45178"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=45178"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}