{"id":47438,"date":"2016-11-06T21:53:49","date_gmt":"2016-11-06T18:53:49","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=47438"},"modified":"2016-11-06T21:53:49","modified_gmt":"2016-11-06T18:53:49","slug":"cetin-unsalan-borc-batagindan-otesi","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-borc-batagindan-otesi\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Bor\u00e7 bata\u011f\u0131ndan \u00f6tesi\u2026  \u00a0"},"content":{"rendered":"<p><em><strong>T\u00fcrkiye t\u00fcketim ekonomisi uygulayarak bug\u00fcn vatanda\u015f\u0131n\u0131 milyarlarca TL borca bat\u0131rm\u0131\u015f durumda. Bunu sadece bir bilin\u00e7siz t\u00fcketim olarak nitelendirmek tek ba\u015f\u0131na yeterli de\u011fil. \u00c7\u00fcnk\u00fc uygulanan ekonomik modelin etkisini bundan ayr\u0131 d\u00fc\u015f\u00fcnmek b\u00fcy\u00fck hata olur.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1523600998\"><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>Gelinen \u015fartlarda, vatanda\u015fa ait 257 milyar TL, yani yakla\u015f\u0131k 82 milyar dolarl\u0131k bor\u00e7 stoku yap\u0131land\u0131r\u0131lmaya \u00e7al\u0131\u015f\u0131yorlarsa, bu borcun nas\u0131l olu\u015ftu\u011funa dair yan\u0131t\u0131, ekonomi y\u00f6netiminin yanl\u0131\u015flar\u0131nda aramak gerekir. Zira kazanmasa da, t\u00fcketerek bir \u00fclkenin b\u00fcy\u00fcyece\u011fine inand\u0131lar.<\/p>\n<p>Bu yanl\u0131\u015ftan fazlaca ders \u00e7\u0131kar\u0131lmam\u0131\u015f olsa gerek ki, bir yandan da insanlar daha \u00e7ok bor\u00e7lanabilsin diye, taksit say\u0131lar\u0131nda art\u0131\u015fa gidilip, bankalar, kriterler zorlanarak kredi verme konusunda bask\u0131 alt\u0131na al\u0131n\u0131yor. Bu konuyla ilgili yalan yanl\u0131\u015f enflasyon, al\u0131nan zamlar ve ger\u00e7ek hayat\u0131n maliyeti gibi unsurlar\u0131 \u00e7ok\u00e7a anlatt\u0131m. Bu sefer bamba\u015fka bir tehlikeye i\u015faret etmek istiyorum. Ortadaki maliyet sadece \u00f6denemez bor\u00e7lar m\u0131?<\/p>\n<p>Bak\u0131n Ki\u015fisel Geli\u015fim Uzman\u0131 Aynur T\u00fcmen\u2019in \u2018Para Kodlar\u0131\u2019 kitab\u0131ndaki \u015fu sat\u0131rlar riski fazlas\u0131yla ortaya koyuyor:<\/p>\n<p>\u201c\u2026 \u0130lkokul d\u00f6nemi, \u00e7ocu\u011fa paran\u0131n bir yat\u0131r\u0131m \/ birikim metas\u0131 oldu\u011funu kavratma ya\u015flar\u0131d\u0131r. \u0130lkokuldan itibaren \u00e7ocu\u011fa ihtiya\u00e7lar\u0131n\u0131 ve bunun i\u00e7in ayr\u0131lmas\u0131 gereken paray\u0131 \u00f6\u011fretmekte yarar vard\u0131r\u2026<\/p>\n<p>\u2026 Model siz oldu\u011funuz i\u00e7in \u00e7ocu\u011funuz da sizin gibi davranacakt\u0131r. E\u011fer al\u0131\u015fveri\u015f \u00f6ncesi liste yap\u0131yor, gerekli \u015feyleri al\u0131yor; tutumlu davran\u0131yorsan\u0131z, emin olun da \u00e7ocu\u011funuz da b\u00f6yle davranacakt\u0131r.<\/p>\n<p>\u00c7ocuk, paran\u0131n sa\u00e7\u0131lan, savrulan bir \u015fey oldu\u011funu g\u00f6rerek b\u00fcy\u00fcrse, ileride tutumlu bir birey olmas\u0131n\u0131 bekleyemezsiniz\u2026\u201d<\/p>\n<p>\u00dclkede t\u00fcketimden ve tasarruf eksikli\u011finden bahsediyoruz de\u011fil mi? Hadi saadet (!) y\u0131llar\u0131na d\u00f6nelim. Yani bankalar\u0131n bireysel kredilerle, kredi kartlar\u0131yla insanlar\u0131 gelece\u011fini t\u00fcketmek pahas\u0131na paraya bo\u011fdu\u011fu, iktidar\u0131n da bunu ekonomi modeli zannetti\u011fi y\u0131llara\u2026<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1693703868\"><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>Kriter noktam\u0131z\u0131 da Aynur T\u00fcmen\u2019in ilkokul \u00e7ocu\u011fu vurgusundan alal\u0131m. 2003 senesinde 7 ya\u015f\u0131nda olan bir \u00e7ocuk, bilin\u00e7lenme \u00e7a\u011f\u0131n\u0131 tamamen para harcayarak ge\u00e7irmi\u015f haliyle, bug\u00fcn 20 ya\u015f\u0131nda bir birey.<\/p>\n<p>Ve \u015fimdi biz gereksiz t\u00fcketimden, cep telefonu \u00e7\u0131lg\u0131nl\u0131\u011f\u0131ndan, l\u00fckse meraktan yak\u0131n\u0131yoruz. \u00c7ocuklar\u0131n doyumsuzlu\u011fundan, para biriktirme duygular\u0131n\u0131n olmad\u0131\u011f\u0131ndan \u015fik\u00e2yet ediyoruz. \u00dcstelik paran\u0131n darald\u0131\u011f\u0131, yok oldu\u011fu, hatta 24 milyon icra dosyas\u0131yla s\u0131k\u0131nt\u0131 haline geldi\u011fi \u00fclkede 25 sene boyunca zorla maa\u015f\u0131ndan para kesip, tasarruf bilinci a\u015f\u0131layaca\u011f\u0131m\u0131z gibi sapk\u0131n bir d\u00fc\u015f\u00fcnce i\u00e7erisindeyiz. T\u00fcmen\u2019in kitab\u0131nda da dile getirdi\u011fi gibi bu \u00e7ok m\u00fcmk\u00fcn de\u011fil. Zira yanl\u0131\u015f\u0131 13 sene \u00f6nce yapt\u0131k.<\/p>\n<p>Daha sonraki y\u0131llarda l\u00fcks t\u00fcketimden, ge\u00e7im i\u00e7in t\u00fcketime d\u00f6nmesine ra\u011fmen, bunun o ya\u015flardaki \u00e7ocuklar taraf\u0131ndan alg\u0131lanmas\u0131na olanak tan\u0131mad\u0131k. Bug\u00fcnk\u00fc yakla\u015f\u0131m g\u00f6steriyor ki, bundan da fazla ders almad\u0131k.<\/p>\n<p>\u015eimdi tekrar ba\u015fa d\u00f6n\u00fcp sormak gerekiyor. Ortadaki sorun 82 milyar dolarl\u0131k bor\u00e7tan daha fazlas\u0131 de\u011fil mi? Biz gelece\u011fi kaybettik. Ay\u0131kla pirincin ta\u015f\u0131n\u0131\u2026<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-1961637252\"><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><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye t\u00fcketim ekonomisi uygulayarak bug\u00fcn vatanda\u015f\u0131n\u0131 milyarlarca TL borca bat\u0131rm\u0131\u015f durumda. Bunu sadece bir bilin\u00e7siz t\u00fcketim olarak nitelendirmek tek ba\u015f\u0131na yeterli de\u011fil. \u00c7\u00fcnk\u00fc uygulanan ekonomik&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-47438","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\/47438","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=47438"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/47438\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=47438"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=47438"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=47438"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}