{"id":47117,"date":"2016-10-06T23:47:33","date_gmt":"2016-10-06T20:47:33","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=47117"},"modified":"2016-10-06T23:47:33","modified_gmt":"2016-10-06T20:47:33","slug":"cetin-unsalan-siz-nerede-yasiyorsunuz","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-siz-nerede-yasiyorsunuz\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Siz nerede ya\u015f\u0131yorsunuz?  \u00a0"},"content":{"rendered":"<p><em><strong>\u00dclke ekonomisinde ya\u015fananlar\u0131, makyajlay\u0131p yeni m\u00fcjdeler sunuyormu\u015f gibi \u00e7al\u0131\u015fan, uyumlu (!)\u00a0 bir iktidar \u2013 medya ger\u00e7e\u011fimiz var. Her g\u00fcn bir m\u00fcjde al\u0131yoruz; ama sonu\u00e7 var m\u0131 derseniz; yok.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2728998133\"><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>Son numara kredi \u00e7ekecek esnaf\u0131n kefilden kurtar\u0131laca\u011f\u0131 y\u00f6n\u00fcndeki a\u00e7\u0131klama. Nas\u0131l olacak bu? Kredi Garanti Fonu (KGF), esnaf ad\u0131na kefalet ger\u00e7ekle\u015ftirecek. \u00d6ncelikle bunu yeni bir \u015feymi\u015f gibi satmak, ya cehalet ya k\u00f6t\u00fc niyettir.<\/p>\n<p>\u00c7\u00fcnk\u00fc zaten KGF\u2019nin faaliyet sahalar\u0131ndan biri bu. Defaten haberini yap\u0131p, birka\u00e7 kere de TV programlar\u0131mda d\u00f6nemin yetkilileri a\u011f\u0131rlad\u0131m. Sonra esnaf ya da KOB\u0130 ile konu\u015fuyorsunuz. T\u00fcm sunulan olanaklara kar\u015f\u0131n, talep edene kap\u0131 duvar.<\/p>\n<p>\u015eimdi kredi almak isteyen esnaf\u0131n g\u00fcvencesinin KGF olaca\u011f\u0131 s\u00f6yleniyor. Zaten \u00f6yle olmas\u0131 gerekti\u011fini detaylar\u0131yla anlatm\u0131yorum bile. Ama bu m\u00fcjdeyi sunarken, gerekli \u015fartlara bakt\u0131\u011f\u0131n\u0131zda, konunun ne b\u00fcy\u00fck bir palavra oldu\u011funu g\u00f6r\u00fcyorsunuz.<\/p>\n<p>\u0130\u015fin reklam\u0131n\u0131 bir kenara b\u0131rak\u0131p \u015fartlara bakal\u0131m:<\/p>\n<p>\u201cEsnaf ve sanatk\u00e2rlar, \u00e7ift\u00e7iler, serbest meslek mensuplar\u0131 fonun teminatlar\u0131na ba\u015fvurabiliyor. Vadesi ge\u00e7mi\u015f prim ve vergi borcu bulunmayanlar; iflas, fesih ve iflas erteleme s\u00fcrecinde olmayanlar; ba\u015fvuru yapabiliyor. Ba\u015fvuru adresi ise Kredi Garanti Fonu \u015fubeleri ve fonun ortakl\u0131k yapt\u0131\u011f\u0131 bankalar&#8230;\u201d<\/p>\n<p>Yani bor\u00e7suz olman\u0131z \u015fart\u0131yla bu olanaktan yararlanabilirsiniz. \u015eimdi adama sorarlar: Siz hangi \u00fclkede ya\u015f\u0131yorsunuz? Daha birka\u00e7 g\u00fcn \u00f6nce \u00fclkenin Maliye Bakan\u0131, esnaf say\u0131s\u0131n\u0131, \u00fcstelik 300 bin fazla g\u00f6sterip, esnaf\u0131n tamam\u0131n\u0131n vergi yap\u0131land\u0131rmas\u0131na ba\u015fvurdu\u011funu a\u00e7\u0131klamad\u0131 m\u0131?<\/p>\n<p>Bir \u00fclkenin esnaf\u0131n\u0131n tamam\u0131n\u0131n vergi yap\u0131land\u0131rmas\u0131na ba\u015fvuruyor olmas\u0131 \u00f6v\u00fcn\u00fclecek mi, utan\u0131lacak bir \u015fey mi takdirlerinize b\u0131rak\u0131yorum. Ama \u015fu bir ger\u00e7ek ki b\u0131rak\u0131n esnaf\u0131, istisnalar d\u0131\u015f\u0131nda T\u00fcrkiye\u2019de borcu olmayan vatanda\u015f neredeyse yok.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-888477369\"><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>\u00dcstelik zaten hi\u00e7bir yere borcu olmayan ki\u015finin kredi \u00e7ekmek i\u00e7in Kredi Garanti Fonu\u2019nun kefaletine de ihtiyac\u0131 yok. \u015eimdi soruyorum bu m\u00fcjde mi? Hadi \u015fartlar\u0131 \u00f6ne s\u00fcren banka olsayd\u0131 anlayacakt\u0131m.<\/p>\n<p>Kredi Garanti Fonu kime ait? Ortakl\u0131k yap\u0131s\u0131na bakal\u0131m. Y\u00fczde 32,1 hisseyle TOBB, y\u00fczde 32,1 hisseyle KOSGEB, y\u00fczde 1\u2019in alt\u0131nda hisse paylar\u0131yla MEKSA, TESK, TOSY\u00d6V, y\u00fczde 1,6 hisse payla\u015f\u0131m\u0131yla 21 banka.<\/p>\n<p>Yani KGF, en az y\u00fczde 65 oran\u0131nda hisseyle kamu ya da \u00f6zel, reel sekt\u00f6r sivil toplum kurulu\u015flar\u0131na ait. En b\u00fcy\u00fck gelir kaynaklar\u0131 da yine esnaf ve tacirden toplad\u0131klar\u0131 paralar. \u015eimdi siz kimin paras\u0131yla, kime \u015fart ko\u015fuyorsunuz?<\/p>\n<p>Herkese bedava para verilmesinden bahsetmiyorum. Ama kendi \u00fcyelerinizin durumuna bu kadar yabanc\u0131 olman\u0131z\u0131, bu m\u00fcte\u015febbislerin STK\u2019lar\u0131n\u0131 ekonomi y\u00f6netiminin ve bankalar\u0131n oyunca\u011f\u0131 haline getirmenizi ele\u015ftiriyorum.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3433816157\"><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>Bir de m\u00fcjde sunuyorsunuz. KGF, kefil \u015fart\u0131n\u0131 ortadan kald\u0131r\u0131yor. Nas\u0131l? Bor\u00e7suzsan\u2026 Tekrar soruyorum siz nerede ya\u015f\u0131yorsunuz ve kimin paras\u0131n\u0131, kimden sakl\u0131yorsunuz?<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00dclke ekonomisinde ya\u015fananlar\u0131, makyajlay\u0131p yeni m\u00fcjdeler sunuyormu\u015f gibi \u00e7al\u0131\u015fan, uyumlu (!)\u00a0 bir iktidar \u2013 medya ger\u00e7e\u011fimiz var. Her g\u00fcn bir m\u00fcjde al\u0131yoruz; ama sonu\u00e7 var&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-47117","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\/47117","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=47117"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/47117\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=47117"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=47117"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=47117"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}