{"id":53828,"date":"2018-03-29T00:29:23","date_gmt":"2018-03-28T21:29:23","guid":{"rendered":"https:\/\/www.bilgeyatirimci.com\/?p=53828"},"modified":"2018-03-29T00:29:23","modified_gmt":"2018-03-28T21:29:23","slug":"cetin-unsalan-kaynak-arayisi-kobilere-kaldiysa","status":"publish","type":"post","link":"https:\/\/www.bilgeyatirimci.com\/i\/cetin-unsalan-kaynak-arayisi-kobilere-kaldiysa\/","title":{"rendered":"\u00c7etin \u00dcnsalan &#8211; Kaynak aray\u0131\u015f\u0131 KOB\u0130\u2019lere kald\u0131ysa"},"content":{"rendered":"<p><em><strong>T\u00fcrkiye ekonomisini anlat\u0131rken hep verdi\u011fim bir \u00f6rnek vard\u0131r. Domates ekti\u011finiz yerden patates \u00e7\u0131kmaz. Bu ger\u00e7e\u011fi g\u00f6rmeden kendini avutmak ancak daha b\u00fcy\u00fck hayal k\u0131r\u0131kl\u0131klar\u0131na neden olur.<\/strong><\/em><\/p><div class=\"bilge-yaziust\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-3810818527\"><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>\u00dclkenin \u00fcretim yap\u0131s\u0131na bakt\u0131\u011f\u0131n\u0131zda \u00e7ok \u00f6nemli bir KOB\u0130 ger\u00e7e\u011fini g\u00f6r\u00fcyorsunuz. Nitekim 2003 y\u0131l\u0131n\u0131n Ocak ay\u0131nda Ankara\u2019da yap\u0131lan TOBB \u2013 H\u00fck\u00fcmet Zirvesi\u2019nde de bu konunun alt\u0131 \u00e7izilmi\u015f; ekonominin bu yap\u0131y\u0131 g\u00fc\u00e7lendirmek \u00fczerine kurgulanmas\u0131 gerekti\u011fi kararla\u015ft\u0131r\u0131lm\u0131\u015ft\u0131.<\/p>\n<p>Fakat ondan sonraki y\u0131llarda bu niyet, tam bir y\u0131lan hikayesine d\u00f6nd\u00fc. Hatta bir d\u00f6nem yaz\u0131lar\u0131mda \u015funu belirtiyordum. D\u00f6nemin bakanlar\u0131ndan Ali Co\u015fkun\u2019u KOB\u0130, Abd\u00fcllatif \u015eener\u2019i de mortgage diye kand\u0131r\u0131yorlar. \u00c7\u00fcnk\u00fc her ikisinde de ger\u00e7ekten o sisteme ge\u00e7i\u015f ya da destek s\u00f6z konusu de\u011fildi.<\/p>\n<p>\u00dclke h\u0131zla kumar ekonomisine savruluyor ve d\u00fcnyadan gelen kaynak t\u00fcketim alan\u0131nda kullan\u0131l\u0131yordu. Mesele o kadar kronik bir hal ald\u0131 ki, esnaf dedi\u011fimiz ya da k\u00fc\u00e7\u00fck i\u015fletmeler olarak nitelendirece\u011fimiz yap\u0131lar bile ticari kredi bulamay\u0131p, kredi kart\u0131 ya da ihtiya\u00e7 kredisi ad\u0131 alt\u0131nda finansman kullanmaya \u00e7al\u0131\u015ft\u0131lar.<\/p>\n<p>Biraz daha palazlananlar ise yurtd\u0131\u015f\u0131ndan bor\u00e7 bulman\u0131n yoluna gittiler. Nitekim bug\u00fcn reel sekt\u00f6r\u00fcn yurtd\u0131\u015f\u0131 d\u00f6viz borcu da bunun eseridir. \u00c7\u00fcnk\u00fc i\u00e7ten kaynak sa\u011flayamad\u0131lar. \u015eimdi geldi\u011fimiz noktada y\u0131llar\u0131n ihmal edilmi\u015fli\u011fini g\u00f6z ard\u0131 ederek yar\u0131n\u0131 kurtarmaya \u00e7al\u0131\u015f\u0131yoruz.<\/p>\n<p>T\u00fcrkiye\u2019ye yeterli kayna\u011f\u0131n gelmedi\u011fi, olan\u0131n da ya ka\u00e7\u0131\u015f e\u011filiminde ya da kazan\u00e7 yollu atraksiyonlarla risk satma pe\u015finde oldu\u011fu a\u00e7\u0131k. Finansmana s\u0131k\u0131\u015fan T\u00fcrkiye ekonomisi \u015fimdi KOB\u0130\u2019ler kullan\u0131larak rahatlat\u0131lmaya \u00e7al\u0131\u015f\u0131l\u0131yor.<\/p>\n<p>KOB\u0130 tan\u0131m\u0131 de\u011fi\u015fiyor ve ciro kriteri 40 milyon TL\u2019den, 125 milyon TL\u2019ye \u00e7\u0131kar\u0131l\u0131yor. Bilhassa KOSGEB\u2019in yabanc\u0131 fon i\u00e7in reyting vermeyi ama\u00e7lamas\u0131, \u00e7\u00f6z\u00fcm olarak sunuluyor. O zaman bu yap\u0131y\u0131 mercek alt\u0131na alal\u0131m.<\/p>\n<p>\u00d6ncelikle KOB\u0130\u2019lerin en k\u00fc\u00e7\u00fckleri yani esnaf olarak nitelendirilen tan\u0131m\u0131n da k\u00fc\u00e7\u00fck i\u015fletme olarak adland\u0131r\u0131lan k\u0131sm\u0131na bakal\u0131m. Son 10 y\u0131l i\u00e7inde say\u0131s\u0131 3,6 milyondan 1,6 milyon seviyesine d\u00fc\u015fm\u00fc\u015f bir esnaf ger\u00e7e\u011fimiz var.<\/p><div class=\"bilge-content-1\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-476669755\"><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>Hatta kredilerini \u00f6deyemedi\u011fi i\u00e7in TESK verilerine g\u00f6re son d\u00f6rt y\u0131lda 430 bin 375, 2018 y\u0131l\u0131n\u0131n ilk iki ay\u0131nda da 20 bin 308 esnaf iflas bayra\u011f\u0131n\u0131 \u00e7ekti. Demek ki KOB\u0130 tan\u0131m\u0131n\u0131n k\u00fc\u00e7\u00fck k\u0131sm\u0131 \u00fczerinden bir finans \u00e7ekmek m\u00fcmk\u00fcn de\u011fil.<\/p>\n<p>Orta b\u00fcy\u00fckl\u00fckte i\u015fletmelere gelirsek bunlar\u0131n bir \u00e7o\u011funun tahsilat s\u0131k\u0131nt\u0131s\u0131 i\u00e7inde oldu\u011fu, verimsizlik ya\u015fad\u0131\u011f\u0131 biliniyor. Hatta bilan\u00e7olar\u0131n\u0131n ger\u00e7e\u011fi yans\u0131tmad\u0131\u011f\u0131n\u0131 da sa\u011f\u0131r sultan bile duymu\u015ftur. Zira aksi takdirde ayakta kalmalar\u0131 m\u00fcmk\u00fcn de\u011fil. Fakat bu yap\u0131lar\u0131yla da kredi kullanam\u0131yorlar.<\/p>\n<p>Nitekim bir d\u00f6nem KOB\u0130 A.\u015e. diye bir risk sermaye \u015firketi kuruldu ve melek yat\u0131r\u0131mc\u0131 olarak anla\u015fabildi\u011fi firmalar\u0131n say\u0131s\u0131 iki elin parmaklar\u0131n\u0131 ge\u00e7emedi.<\/p>\n<p>Yap\u0131lan en do\u011fru \u015fey belki de KOB\u0130 tan\u0131m\u0131n\u0131n \u00fczerinde kalan b\u00fcy\u00fck i\u015fletmeleri de bu \u00e7er\u00e7evenin i\u00e7ine sokmak. \u00c7\u00fcnk\u00fc bizde \u2018k\u00fc\u00e7\u00fck da\u011flar\u0131 ben yaratt\u0131m\u2019 diye dola\u015fan holdinglerimiz bile geli\u015fmi\u015f ekonomilerin orta b\u00fcy\u00fckl\u00fckteki i\u015fletme b\u00fcy\u00fckl\u00fc\u011f\u00fcne ancak eri\u015fiyor.<\/p><div class=\"bilge-content-2\" style=\"margin-top: 10px;margin-bottom: 10px;\" id=\"bilge-2918494407\"><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>Fakat bunlar nispeten kurumsal olduklar\u0131ndan ve bir\u00e7o\u011fu da borsa ile ili\u015fkili oldu\u011fundan zaten kullanabilece\u011fi kayna\u011f\u0131 kullan\u0131yor. Yani tan\u0131m\u0131 de\u011fi\u015ftirip bunlar\u0131 KOB\u0130 s\u0131fat\u0131na b\u00fcr\u00fcnd\u00fcrmek ekstra bir kaynak sa\u011flamayacak.<\/p>\n<p>T\u00fcm bu foto\u011fraf i\u00e7erisinde konu\u015fulmas\u0131 gerekenler var. \u00d6ncelikle y\u0131llar\u0131n ihmal edilmi\u015fli\u011fini bir tak\u0131m tan\u0131m de\u011fi\u015fiklikleriyle kurtarman\u0131z m\u00fcmk\u00fcn de\u011fil. Ancak kendinizi kand\u0131r\u0131rs\u0131n\u0131z. Biraz palazlananlar\u0131n yabanc\u0131lara sat\u0131lmak i\u00e7in fl\u00f6rt etti\u011fi bir iklimde reel sekt\u00f6r a\u00e7maz\u0131n\u0131z\u0131 bir kez daha hal\u0131n\u0131n alt\u0131na s\u00fcp\u00fcrmekten ba\u015fka bir i\u015fe yaramaz.<\/p>\n<p>Yine \u00f6nemli bir ba\u015fl\u0131k da bak\u0131\u015f a\u00e7\u0131s\u0131yla ilgili&#8230; Y\u0131llarca yok sayd\u0131\u011f\u0131n\u0131z ekonominin \u2018\u00c7\u0131lg\u0131n T\u00fcrkleri\u2019ni ger\u00e7ekten sorunlar\u0131ndan kurtar\u0131p aya\u011fa kald\u0131rmak yerine, kaynak bulman\u0131n arac\u0131 yap\u0131yorsan\u0131z, yine samimi de\u011filsiniz demektir.<\/p>\n<p>T\u00fcrkiye\u2019nin KOB\u0130 meselesini ger\u00e7ekten konu\u015fmas\u0131, bu yap\u0131lar\u0131 d\u00fcnyayla rekabet edecek hale getirmesi ve proje \u00fcretir \u015fekle b\u00fcr\u00fcnd\u00fcrmesi gerekir. Ne yaz\u0131k ki d\u00fcnyadaki parasal geni\u015fleme s\u0131ras\u0131nda yapmam\u0131z gereken bu i\u015fi \u0131skalad\u0131k, kolay\u0131na ka\u00e7t\u0131k ve bug\u00fcn a\u00e7mazlar\u0131n\u0131 ya\u015f\u0131yoruz.<\/p>\n<p>Tekrar niyetlenip bunlar\u0131 aya\u011fa kald\u0131rmal\u0131 m\u0131y\u0131z? Elbette yapmal\u0131y\u0131z. Fakat bunun ge\u00e7ti\u011fimiz 10 y\u0131ldan daha zorlu ko\u015fullarda, daha ak\u0131lc\u0131 desteklerle ve daha pahal\u0131 bir d\u00f6n\u00fc\u015f\u00fcm oldu\u011funu bilmeliyiz. Biz b\u0131rak\u0131n bu d\u00f6n\u00fc\u015f\u00fcmde onlara destek olmay\u0131, onlar\u0131 kullan\u0131p s\u0131cak para getirme tela\u015f\u0131na d\u00fc\u015ft\u00fcysek, yine i\u015fin i\u00e7inden \u00e7\u0131kamayaca\u011f\u0131z demektir.<\/p>\n<p>Peki neden? Kural belli: Domates ekti\u011finiz yerden patates \u00e7\u0131kmaz. \u015ea\u015f\u0131r\u0131p; durmaktan vazge\u00e7in.<\/p>\n<p><a href=\"mailto:cetinunsalan@yahoo.com\">cetinunsalan@yahoo.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye ekonomisini anlat\u0131rken hep verdi\u011fim bir \u00f6rnek vard\u0131r. Domates ekti\u011finiz yerden patates \u00e7\u0131kmaz. Bu ger\u00e7e\u011fi g\u00f6rmeden kendini avutmak ancak daha b\u00fcy\u00fck hayal k\u0131r\u0131kl\u0131klar\u0131na neden olur.&hellip;<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"closed","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-53828","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\/53828","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=53828"}],"version-history":[{"count":0,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/posts\/53828\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/media?parent=53828"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/categories?post=53828"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilgeyatirimci.com\/wp-json\/wp\/v2\/tags?post=53828"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}