{"id":51840,"date":"2017-10-30T19:10:25","date_gmt":"2017-10-30T16:10:25","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=51840"},"modified":"2017-10-30T19:10:25","modified_gmt":"2017-10-30T16:10:25","slug":"cetin-unsalan-esnafin-derdi-tuketim-mi","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-esnafin-derdi-tuketim-mi\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Esnaf\u0131n derdi t\u00fcketim mi?"},"content":{"rendered":"<p><em><strong>T\u00fcrkiye\u2019de ya\u015fayan t\u00fcm kesimler gibi, esnaf\u0131n da hayat\u0131n\u0131 kolayla\u015ft\u0131racak projeler \u00f6nemlidir. \u00c7\u00fcnk\u00fc esnaf bu \u00fclkenin ta\u015f\u0131y\u0131c\u0131 kolonudur. \u00c7ocu\u011funu okutan da, yan\u0131nda k\u0131s\u0131tl\u0131 say\u0131da insan \u00e7al\u0131\u015ft\u0131rarak toplamda istihdama b\u00fcy\u00fck katk\u0131 sa\u011flayan da esnaft\u0131r.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-91595244\"><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>Bu haliyle bakt\u0131\u011f\u0131n\u0131zda, \u00fclkemizde esnafa gereken \u00f6nemi verdi\u011fimiz s\u00f6ylenemez. \u00c7\u00fcnk\u00fc AVM \u00e7\u0131lg\u0131nl\u0131\u011f\u0131na kap\u0131lm\u0131\u015f T\u00fcrkiye\u2019de her a\u00e7\u0131lan AVM\u2019nin 64 i\u015f kolunda esnaf\u0131 yok etti\u011fini g\u00f6rmezden geldi\u011fimiz gibi, sokak aralar\u0131na giren indirim marketleriyle de ikinci bir darbeyi vuruyoruz.<\/p>\n<p>T\u00fcm bunlar ya\u015fan\u0131rken esnaf\u0131n hatas\u0131 yok mu? Elbette var. Fakat son 10 y\u0131l i\u00e7erisinde esnaf say\u0131s\u0131n\u0131n yar\u0131 yar\u0131ya azalm\u0131\u015f olmas\u0131n\u0131, sadece bu ger\u00e7e\u011fe ba\u011flamak, hem insafs\u0131zl\u0131k, hem de ger\u00e7ekten uzakla\u015fmak olur. \u015eimdi T\u00fcrkiye Esnaf ve Sanatkarlar\u0131 Konfederasyonu bir Esnafkart tan\u0131t\u0131m\u0131 yapt\u0131.<\/p>\n<p>Normal \u015fartlar alt\u0131nda, bir kurumun \u00fcyelerinin hayat\u0131n\u0131 kolayla\u015ft\u0131racak ve ucuzlatacak y\u00f6ntemleri hayata ge\u00e7irmesi, sayg\u0131 duyulacak bir faaliyettir. Fakat bunu sihirli bir de\u011fnekmi\u015f\u00e7esine, esnaf\u0131n t\u00fcm sorunlar\u0131n\u0131 \u00e7\u00f6zecek bir arg\u00fcmanm\u0131\u015f gibi sunmay\u0131 do\u011fru bulmuyorum.<\/p>\n<p>Esnafkart\u2019a sahip olan ne yapacak? Y\u00fczde 50 indirim alacak. Nereden? Mal ald\u0131\u011f\u0131 toptanc\u0131s\u0131ndan ya da \u00fcreticiden mi? Hay\u0131r\u2026 Akaryak\u0131t, e\u011fitim, sa\u011fl\u0131k, sinema, elektronik t\u00fcketim gibi kalemlerden. \u00d6nemsiz mi; de\u011fil ama t\u00fcketim odakl\u0131 verilmi\u015f bir hizmet.<\/p>\n<p>\u0130\u015fin bu a\u015famas\u0131na gelece\u011fim ama daha garip bir durum var. Bu projede model orta\u011f\u0131 olan Birle\u015fik \u00d6deme ve Elektronik Para Hizmetleri A.\u015e. \u00dcst Y\u00f6neticisi \u0130lker S\u00f6zdinler, 81 ilde 2 milyon esnaf, toplam 10 milyonluk bir kitleye ula\u015facaklar\u0131n\u0131 a\u00e7\u0131klad\u0131.<\/p>\n<p>Ayn\u0131 hatay\u0131 yap\u0131land\u0131rma s\u0131ras\u0131nda Maliye Bakan\u0131 da yapm\u0131\u015ft\u0131. Ama hi\u00e7 olmazsa S\u00f6zdinler ,i\u015f orta\u011f\u0131 olan TESK\u2019ten esnaf say\u0131s\u0131 ile ilgili bilgi alsayd\u0131. \u00c7\u00fcnk\u00fc y\u0131llar i\u00e7erisinde eritilen esnaf ger\u00e7e\u011fine paralel, TESK\u2019in 2017 May\u0131s verilerine g\u00f6re esnaf say\u0131s\u0131 1 milyon 693 bin 720\u2026<\/p>\n<p>Aradaki 400 bin fark, toplam esnaf say\u0131s\u0131n\u0131n y\u00fczde 25\u2019ine tekab\u00fcl ediyor. Yani on, on be\u015f m\u00fckellef sapmas\u0131ndan s\u00f6z etmiyoruz.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2781341139\"><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>Hadi bunu ge\u00e7tim; soru \u015fu: Esnaf\u0131n derdi t\u00fcketim mi? Son ba\u015fvuru tarihi 29 Eyl\u00fcl 2017 olan yap\u0131land\u0131rmada, esnaf\u0131n sadece kamuya ait yap\u0131land\u0131r\u0131lacak bor\u00e7 miktar\u0131 786 milyon TL. Daha anlaml\u0131 olsun diye eski parayla s\u00f6yleyeyim: 786 trilyon TL. Bir\u00e7o\u011funun ikinci taksitten sonra bu borcu \u00f6deyemedi\u011fini biliyoruz.<\/p>\n<p>Yine TESK Ba\u015fkan\u0131\u2019n\u0131n ifadesiyle son 5 y\u0131lda 32 milyona yakla\u015fan kredi kart\u0131 bor\u00e7lu say\u0131s\u0131 i\u00e7indeki esnaf\u0131n pay\u0131n\u0131 ise bilmiyoruz. \u00c7\u00fcnk\u00fc ticari kredi kullanamayan, \u00e7ek hakk\u0131 elinde al\u0131nan esnaf\u0131n b\u00fcy\u00fck bir \u00e7o\u011funlu\u011funun bireysel, ihtiya\u00e7 ya da kredi kart\u0131 kullanarak mal ald\u0131\u011f\u0131n\u0131 ve sonu\u00e7ta k\u00f6\u015feye s\u0131k\u0131\u015ft\u0131\u011f\u0131n\u0131 reel piyasalarda herkes biliyor. TESK mi bilmiyor?<\/p>\n<p>T\u00fcketicilerin bankalara olan borcunun 28,7 milyar TL\u2019si varl\u0131k y\u00f6netim \u015firketlerine devredildi. Bunun i\u00e7indeki esnaf pay\u0131 ne? \u015eubat 2017 itibariyle t\u00fcketicilerin bankalara olan borcu 426 milyon TL\u2019ye ula\u015ft\u0131. Bunun i\u00e7indeki esnaf pay\u0131 ne?<\/p>\n<p>T\u00fcm bunlar\u0131 bir kenara koyal\u0131m; tacirin tacire olan borcunun boyutlar\u0131n\u0131 biliyor muyuz? \u00c7ok ciddi anlamda \u00f6deme problemi ya\u015fanan reel piyasalardaki bat\u0131k ya da \u015f\u00fcpheli alacak miktar\u0131, esnaf i\u00e7inde d\u00f6nen bir ba\u015fl\u0131k oldu\u011fu i\u00e7in resmi rakamlara da yans\u0131m\u0131yor.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2766503915\"><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>\u015eimdi t\u00fcm bunlar\u0131 alt alta koydu\u011fumuzda esnaf\u0131n derdi t\u00fcketim mi; yoksa ayakta kalmas\u0131n\u0131 zorla\u015ft\u0131ran ve \u00f6denemez hale gelen bor\u00e7lar\u0131 m\u0131? TESK bence t\u00fcketim odakl\u0131 kart projesinden \u00f6nce bu konuda bir \u015feyler yaps\u0131n.<\/p>\n<p>En az\u0131ndan foto\u011fraf\u0131, kendisine \u00f6denemeyen aidatlardan g\u00f6r\u00fcyordur. Her \u015fey bitti; nas\u0131l t\u00fckettirece\u011finiz mi kald\u0131? \u0130nsaf\u2026 Koyun can; kasap et derdinde. \u00dclkeyi ta\u015f\u0131yan kolon \u00e7\u00f6k\u00fcyor; siz d\u00fc\u011f\u00fcn bayram pe\u015findesiniz.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye\u2019de ya\u015fayan t\u00fcm kesimler gibi, esnaf\u0131n da hayat\u0131n\u0131 kolayla\u015ft\u0131racak projeler \u00f6nemlidir. \u00c7\u00fcnk\u00fc esnaf bu \u00fclkenin ta\u015f\u0131y\u0131c\u0131 kolonudur. \u00c7ocu\u011funu okutan da, yan\u0131nda k\u0131s\u0131tl\u0131 say\u0131da insan \u00e7al\u0131\u015ft\u0131rarak&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-51840","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\/51840","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=51840"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/51840\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=51840"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=51840"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=51840"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}