{"status":true,"post":{"id":15461,"user_id":11,"status":1,"type":1,"orde":null,"notification_type":3,"static_post":0,"published_at":"2022-10-21 09:58:17","created_at":"2016-12-18T21:00:00.000000Z","updated_at":"2022-10-21T06:58:17.000000Z","edited_at":"2024-12-17 22:35:21","source_id":null,"post_id":15461,"is_featured":0,"title":"Esnaf\u0131m\u0131z\u0131n da ihtiya\u00e7lar\u0131n\u0131 atlamayal\u0131m","slider_title":null,"slider_title_2":null,"slider_spot_title":null,"slider_spot_title_2":null,"home_title":null,"sub_title":null,"category_id":73,"description":null,"content":" \t\t\t\t\t \t\t\t\t\t

1 \u015eubat 2014\u2019te y\u00fcr\u00fcrl\u00fc\u011fe giren, \u00e7ok say\u0131da mal ve hizmet al\u0131m\u0131nda kredi kart\u0131 taksit say\u0131s\u0131n\u0131 9 adetle s\u0131n\u0131rlayan ve kimi mallarda kredi kart\u0131yla taksitlendirmeyi kald\u0131ran d\u00fczenleme \u00f6ncesinde,aral\u0131k 2013 ve ocak 2014\u2019te, T\u00fcrk halk\u0131n\u0131n aile b\u00fct\u00e7esindeki ayarlamalar\u0131n\u0131n en az 12 takside g\u00f6re yap\u0131land\u0131\u011f\u0131n\u0131 belirterek, 2014\u2019te 12, 2015\u2019te 10 ve 2016\u2019da 9 taksitle, hane halk\u0131na al\u0131\u015ft\u0131raal\u0131\u015ft\u0131rakredi kart\u0131 taksit say\u0131lar\u0131n\u0131n s\u0131n\u0131rland\u0131r\u0131lmas\u0131n\u0131 \u00f6nermi\u015ftim.O d\u00f6nemki ekonomi y\u00f6netiminin tercihi, do\u011frudan 9 taksit olmu\u015ftu. Bu durum, hane halk\u0131m\u0131z \u00fczerinde al\u0131\u015f\u0131lmas\u0131 zor bir aile b\u00fct\u00e7esi yap\u0131lanmas\u0131 zaruretini beraberinde getirdi.En \u00e7ok anlamakta zorland\u0131\u011f\u0131m husus ise e\u011fitim ve i\u00e7 turizmde neden 9 taksit s\u0131n\u0131rlamas\u0131n\u0131n geldi\u011fiydi.Bu iki alan\u0131nda da T\u00fcrkiye\u2019nin cari a\u00e7\u0131\u011f\u0131n\u0131 b\u00fcy\u00fctecek hali yoktu herhalde. <\/span><\/p>

Nitekim, bug\u00fcn geldi\u011fimiz noktada, hane halk\u0131n\u0131n b\u00fct\u00e7e kullan\u0131m\u0131n\u0131 rahatlatmak ad\u0131na, pek \u00e7ok mal ve hizmette kredi kart\u0131 taksit say\u0131lar\u0131 art\u0131r\u0131ld\u0131.Ekonomi y\u00f6netimimiz bu t\u00fcr ad\u0131mlar\u0131 atarken, hane halk\u0131n\u0131n kredi kart\u0131 kullan\u0131m al\u0131\u015fkanl\u0131klar\u0131n\u0131 g\u00f6zetiyor. Oysa kredi kart\u0131n\u0131 i\u015f hayat\u0131n\u0131n \u00f6nemli bir finansman ve \u00f6deme arac\u0131 haline getirmi\u015f olan geni\u015f bir esnaf kesimimiz var.Ve gerek 1 \u015eubat 2014\u2019te y\u00fcr\u00fcrl\u00fc\u011fe giren kredi kart\u0131 taksit say\u0131lar\u0131n\u0131 azaltan kararlar, gerekse de bug\u00fcnkimi mal ve hizmetlerde kredi kart\u0131yla taksitlendirilmeninkald\u0131r\u0131lmas\u0131 kararlar\u0131, bir \u00e7ok alandaki esnaf\u0131m\u0131z\u0131 ciddi s\u0131k\u0131nt\u0131ya sokmu\u015f durumda.<\/span><\/p>

KARTTA TAKS\u0130TLEND\u0130RME \u0130LE ESNAF F\u0130NANSMANI<\/strong><\/span><\/p>

Ekonomi y\u00f6netimi, kozmetikte kredi kart\u0131yla taksitlendirmeyi kald\u0131r\u0131yor. Ama bu imkan ile d\u00fckkan\u0131n\u0131 \u00e7eviren \u00e7ok say\u0131da kuaf\u00f6r, berber ve perakende tuhafiyeci var.Su faturas\u0131n\u0131, elektrik faturas\u0131n\u0131, personel maa\u015flar\u0131n\u0131 taksitlendirmesi m\u00fcmk\u00fcn olmayan esnaf\u0131m\u0131z, bilhassa hizmetler sekt\u00f6r\u00fcnde, m\u00fc\u015fterisi i\u00e7in kulland\u0131\u011f\u0131 \u00fcr\u00fcnlerinin \u00e7o\u011funu pek \u00e7ok esnaf, kredi kart\u0131yla taksitlendirerek al\u0131yorve b\u00f6ylece d\u00fckkan\u0131n geliri ile maliyetleri aras\u0131ndadengeyi yakalamaya \u00e7al\u0131\u015f\u0131yordu.<\/span><\/p>

Esnaf\u0131m\u0131z\u0131ndabir \u2018t\u00fcketici\u2019 oldu\u011funu atlayarak, belirli \u00fcr\u00fcnlerde kredi kart\u0131 taksitlendirilmesinin kald\u0131r\u0131lmas\u0131,bug\u00fcn el becerisi hizmetleri verebilmeleri i\u00e7in gereken malzemeyi almakta zorlanmalar\u0131n\u0131g\u00fcndeme getirmi\u015f durumda.Pek \u00e7ok esnaf\u0131m\u0131z,malzeme tedarikini hangi alanlarda kredi kart\u0131 taksitlendirilmesi ile yapt\u0131klar\u0131n\u0131n yeniden g\u00f6zden ge\u00e7irilmesini talep etmekteler. Cari a\u00e7\u0131\u011f\u0131 azaltal\u0131m derken, esnaf\u0131m\u0131z\u0131n b\u00fct\u00e7esini de zorlamayal\u0131m.<\/span><\/p>

T\u00dcKET\u0130C\u0130 G\u00dcVEN\u0130N\u0130 G\u00dc\u00c7LEND\u0130REL\u0130M<\/strong><\/span><\/p>

AK Parti iktidarlar\u0131n\u0131n ilk 4 y\u0131l\u0131nda, 2003-2006 d\u00f6neminde, y\u00fczde 7.4\u2019l\u00fck rekor b\u00fcy\u00fcme performans\u0131n\u0131n en \u00f6nemli gerek\u00e7elerinden birini, T\u00fcrk halk\u0131n\u0131n ekonomik ve demokratik reformlarla birlikte yeniden kavu\u015ftu\u011fu \u2018\u00f6zg\u00fcven\u2019 olu\u015fturmaktayd\u0131.\u20081990\u2019l\u0131 y\u0131llar\u0131n koalisyon h\u00fck\u00fcmetleri,siyasi ve ekonomikistikrardan uzak, hayli s\u0131k\u0131nt\u0131l\u0131 atmosferini,T\u00fcrkiye\u2019nin ufkunu g\u00f6rebildi\u011fibir d\u00f6nem devralm\u0131\u015f,y\u00fczde 7.4\u2019l\u00fckb\u00fcy\u00fcmeninyar\u0131s\u0131 \u00f6zel sekt\u00f6ryat\u0131r\u0131mlar\u0131ndangelmi\u015fti.<\/span><\/p>

T\u00fcrkiye\u2019nin \u00f6n\u00fcn\u00fc kesmek \u00fczere,ilk darbe \u2018Dan\u0131\u015ftay\u2019 sald\u0131r\u0131s\u0131ile ger\u00e7ekle\u015fti. Dan\u0131\u015ftay sald\u0131r\u0131s\u0131 \u00f6ncesinde, 102 puand\u00fczeyinde, T\u00fcrkiye\u2019nin o g\u00fcnekadar g\u00f6rmedi\u011fi bir t\u00fcketicig\u00fcvenine i\u015faret eden ekonomi, Dan\u0131\u015ftay sald\u0131r\u0131s\u0131 ve AKParti kapatma davas\u0131 ile t\u00fcketici g\u00fcveninde 65 puana kadar\u00e7\u00f6k\u00fc\u015f ya\u015fad\u0131ve bu durum 2007 ve 2008 b\u00fcy\u00fcmelerine yans\u0131d\u0131. AK Parti kapatma davas\u0131 Anayasa Mahkemesi\u2019nde reddedilince, t\u00fcketici g\u00fcveni 70 puanlar\u0131n \u00fczerine toparlad\u0131.<\/span><\/p>

Ancak, k\u00fcresel finans krizi ile 60 puan\u0131n bile alt\u0131na \u00e7\u00f6kt\u00fc.H\u00fck\u00fcmetinald\u0131\u011f\u0131 seri tedbirlerle, k\u00fcreselfinans krizi te\u011fet ge\u00e7ince, t\u00fcketicig\u00fcveni 85 puan\u0131n \u00fczerine toparland\u0131 ve 2010 ile 2011\u2019deT\u00fcrkiye d\u00fcnya ekonomisinderekor b\u00fcy\u00fcme yakalayanilk \u00fc\u00e7 \u00fclke aras\u0131nda yerald\u0131.<\/span><\/p>

Gezi olaylar\u0131 ve \u201817-25\u2019 ikinci ve \u00fc\u00e7\u00fcnc\u00fc sald\u0131r\u0131 dalgas\u0131yd\u0131.<\/span><\/p>

7 Haziran se\u00e7imleri\u2018koalisyon\u2019a i\u015faretetti\u011finde t\u00fcketici g\u00fcveni58 puana d\u00fc\u015fm\u00fc\u015ft\u00fc. 1Kas\u0131m se\u00e7imleri ise tekrar80 puana yakla\u015ft\u0131rd\u0131.<\/span><\/p>

15 Temmuz hain darbe giri\u015fimi ile 67 puana d\u00fc\u015ft\u00fcyse de,T\u00fcrk halk\u0131n\u0131n\u00fclkesine sahip \u00e7\u0131kmas\u0131ylayeniden 74 puana \u00e7\u0131kt\u0131.\u015eimdi, ter\u00f6rve d\u00f6viz operasyonlar\u0131 \u00fczerindenolu\u015fturulmaya \u00e7al\u0131\u015f\u0131lannegatif alg\u0131yla, t\u00fcketici g\u00fcvenini70 puan\u0131n alt\u0131na \u00e7ekmeye\u00e7al\u0131\u015f\u0131yorlar.<\/span><\/p>

H\u00fck\u00fcmetimiz, ekonomi y\u00f6netimimiz, i\u015f d\u00fcnyam\u0131z, STK\u2019lar\u0131m\u0131z ve biz akademisyenler, \u2018t\u00fcketici g\u00fcveni\u2019ni yeniden g\u00fc\u00e7l\u00fc k\u0131lacak her \u00e7al\u0131\u015fman\u0131n i\u00e7inde yer almal\u0131y\u0131z.T\u00fcketici g\u00fcvenini y\u00fckseltirsek,\u20082017\u2019de y\u00fczde 4b\u00fcy\u00fcmeyi rahat yakalar\u0131z.<\/span><\/p> \t\t\t\t","slug":"esnafimizin-da-ihtiyaclarini-atlamayalim","tags":"K\u00f6\u015fe Yaz\u0131s\u0131","meta_title":"Esnaf\u0131m\u0131z\u0131n da ihtiya\u00e7lar\u0131n\u0131 atlamayal\u0131m","meta_description":"Prof. Dr. Kerem Alkin","meta_keywords":"K\u00f6\u015fe Yaz\u0131s\u0131","news_cover_min":null,"news_cover":null,"news_video_min":null,"news_video":null,"view_count":98,"cropped_1200x675":null,"user":{"id":11,"name":"KEREM","surname":"ALK\u0130N","email":"irem05@daglaroglu.com","slug":"prof-dr-kerem-alkin","avatar":"\/front\/uploads\/avatar\/17336916000GNrERW0ucj2Ja7.webp","status":1,"role":1,"email_verified_at":null,"orde":null,"created_at":"2022-09-15T09:39:41.000000Z","updated_at":"2024-12-18T09:50:43.000000Z","seo_title":null,"seo_description":null},"translations":[{"id":15560,"is_featured":0,"is_amp":0,"is_ads":0,"ads_link":null,"post_id":15461,"locale":"tr","category_id":73,"title":"Esnaf\u0131m\u0131z\u0131n da ihtiya\u00e7lar\u0131n\u0131 atlamayal\u0131m","home_title":null,"sub_title":null,"slider_title":null,"slider_title_2":null,"slider_spot_title":null,"slider_spot_title_2":null,"subtitleuse":0,"description":null,"content":" \t\t\t\t\t \t\t\t\t\t

1 \u015eubat 2014\u2019te y\u00fcr\u00fcrl\u00fc\u011fe giren, \u00e7ok say\u0131da mal ve hizmet al\u0131m\u0131nda kredi kart\u0131 taksit say\u0131s\u0131n\u0131 9 adetle s\u0131n\u0131rlayan ve kimi mallarda kredi kart\u0131yla taksitlendirmeyi kald\u0131ran d\u00fczenleme \u00f6ncesinde,aral\u0131k 2013 ve ocak 2014\u2019te, T\u00fcrk halk\u0131n\u0131n aile b\u00fct\u00e7esindeki ayarlamalar\u0131n\u0131n en az 12 takside g\u00f6re yap\u0131land\u0131\u011f\u0131n\u0131 belirterek, 2014\u2019te 12, 2015\u2019te 10 ve 2016\u2019da 9 taksitle, hane halk\u0131na al\u0131\u015ft\u0131raal\u0131\u015ft\u0131rakredi kart\u0131 taksit say\u0131lar\u0131n\u0131n s\u0131n\u0131rland\u0131r\u0131lmas\u0131n\u0131 \u00f6nermi\u015ftim.O d\u00f6nemki ekonomi y\u00f6netiminin tercihi, do\u011frudan 9 taksit olmu\u015ftu. Bu durum, hane halk\u0131m\u0131z \u00fczerinde al\u0131\u015f\u0131lmas\u0131 zor bir aile b\u00fct\u00e7esi yap\u0131lanmas\u0131 zaruretini beraberinde getirdi.En \u00e7ok anlamakta zorland\u0131\u011f\u0131m husus ise e\u011fitim ve i\u00e7 turizmde neden 9 taksit s\u0131n\u0131rlamas\u0131n\u0131n geldi\u011fiydi.Bu iki alan\u0131nda da T\u00fcrkiye\u2019nin cari a\u00e7\u0131\u011f\u0131n\u0131 b\u00fcy\u00fctecek hali yoktu herhalde. <\/span><\/p>

Nitekim, bug\u00fcn geldi\u011fimiz noktada, hane halk\u0131n\u0131n b\u00fct\u00e7e kullan\u0131m\u0131n\u0131 rahatlatmak ad\u0131na, pek \u00e7ok mal ve hizmette kredi kart\u0131 taksit say\u0131lar\u0131 art\u0131r\u0131ld\u0131.Ekonomi y\u00f6netimimiz bu t\u00fcr ad\u0131mlar\u0131 atarken, hane halk\u0131n\u0131n kredi kart\u0131 kullan\u0131m al\u0131\u015fkanl\u0131klar\u0131n\u0131 g\u00f6zetiyor. Oysa kredi kart\u0131n\u0131 i\u015f hayat\u0131n\u0131n \u00f6nemli bir finansman ve \u00f6deme arac\u0131 haline getirmi\u015f olan geni\u015f bir esnaf kesimimiz var.Ve gerek 1 \u015eubat 2014\u2019te y\u00fcr\u00fcrl\u00fc\u011fe giren kredi kart\u0131 taksit say\u0131lar\u0131n\u0131 azaltan kararlar, gerekse de bug\u00fcnkimi mal ve hizmetlerde kredi kart\u0131yla taksitlendirilmeninkald\u0131r\u0131lmas\u0131 kararlar\u0131, bir \u00e7ok alandaki esnaf\u0131m\u0131z\u0131 ciddi s\u0131k\u0131nt\u0131ya sokmu\u015f durumda.<\/span><\/p>

KARTTA TAKS\u0130TLEND\u0130RME \u0130LE ESNAF F\u0130NANSMANI<\/strong><\/span><\/p>

Ekonomi y\u00f6netimi, kozmetikte kredi kart\u0131yla taksitlendirmeyi kald\u0131r\u0131yor. Ama bu imkan ile d\u00fckkan\u0131n\u0131 \u00e7eviren \u00e7ok say\u0131da kuaf\u00f6r, berber ve perakende tuhafiyeci var.Su faturas\u0131n\u0131, elektrik faturas\u0131n\u0131, personel maa\u015flar\u0131n\u0131 taksitlendirmesi m\u00fcmk\u00fcn olmayan esnaf\u0131m\u0131z, bilhassa hizmetler sekt\u00f6r\u00fcnde, m\u00fc\u015fterisi i\u00e7in kulland\u0131\u011f\u0131 \u00fcr\u00fcnlerinin \u00e7o\u011funu pek \u00e7ok esnaf, kredi kart\u0131yla taksitlendirerek al\u0131yorve b\u00f6ylece d\u00fckkan\u0131n geliri ile maliyetleri aras\u0131ndadengeyi yakalamaya \u00e7al\u0131\u015f\u0131yordu.<\/span><\/p>

Esnaf\u0131m\u0131z\u0131ndabir \u2018t\u00fcketici\u2019 oldu\u011funu atlayarak, belirli \u00fcr\u00fcnlerde kredi kart\u0131 taksitlendirilmesinin kald\u0131r\u0131lmas\u0131,bug\u00fcn el becerisi hizmetleri verebilmeleri i\u00e7in gereken malzemeyi almakta zorlanmalar\u0131n\u0131g\u00fcndeme getirmi\u015f durumda.Pek \u00e7ok esnaf\u0131m\u0131z,malzeme tedarikini hangi alanlarda kredi kart\u0131 taksitlendirilmesi ile yapt\u0131klar\u0131n\u0131n yeniden g\u00f6zden ge\u00e7irilmesini talep etmekteler. Cari a\u00e7\u0131\u011f\u0131 azaltal\u0131m derken, esnaf\u0131m\u0131z\u0131n b\u00fct\u00e7esini de zorlamayal\u0131m.<\/span><\/p>

T\u00dcKET\u0130C\u0130 G\u00dcVEN\u0130N\u0130 G\u00dc\u00c7LEND\u0130REL\u0130M<\/strong><\/span><\/p>

AK Parti iktidarlar\u0131n\u0131n ilk 4 y\u0131l\u0131nda, 2003-2006 d\u00f6neminde, y\u00fczde 7.4\u2019l\u00fck rekor b\u00fcy\u00fcme performans\u0131n\u0131n en \u00f6nemli gerek\u00e7elerinden birini, T\u00fcrk halk\u0131n\u0131n ekonomik ve demokratik reformlarla birlikte yeniden kavu\u015ftu\u011fu \u2018\u00f6zg\u00fcven\u2019 olu\u015fturmaktayd\u0131.\u20081990\u2019l\u0131 y\u0131llar\u0131n koalisyon h\u00fck\u00fcmetleri,siyasi ve ekonomikistikrardan uzak, hayli s\u0131k\u0131nt\u0131l\u0131 atmosferini,T\u00fcrkiye\u2019nin ufkunu g\u00f6rebildi\u011fibir d\u00f6nem devralm\u0131\u015f,y\u00fczde 7.4\u2019l\u00fckb\u00fcy\u00fcmeninyar\u0131s\u0131 \u00f6zel sekt\u00f6ryat\u0131r\u0131mlar\u0131ndangelmi\u015fti.<\/span><\/p>

T\u00fcrkiye\u2019nin \u00f6n\u00fcn\u00fc kesmek \u00fczere,ilk darbe \u2018Dan\u0131\u015ftay\u2019 sald\u0131r\u0131s\u0131ile ger\u00e7ekle\u015fti. Dan\u0131\u015ftay sald\u0131r\u0131s\u0131 \u00f6ncesinde, 102 puand\u00fczeyinde, T\u00fcrkiye\u2019nin o g\u00fcnekadar g\u00f6rmedi\u011fi bir t\u00fcketicig\u00fcvenine i\u015faret eden ekonomi, Dan\u0131\u015ftay sald\u0131r\u0131s\u0131 ve AKParti kapatma davas\u0131 ile t\u00fcketici g\u00fcveninde 65 puana kadar\u00e7\u00f6k\u00fc\u015f ya\u015fad\u0131ve bu durum 2007 ve 2008 b\u00fcy\u00fcmelerine yans\u0131d\u0131. AK Parti kapatma davas\u0131 Anayasa Mahkemesi\u2019nde reddedilince, t\u00fcketici g\u00fcveni 70 puanlar\u0131n \u00fczerine toparlad\u0131.<\/span><\/p>

Ancak, k\u00fcresel finans krizi ile 60 puan\u0131n bile alt\u0131na \u00e7\u00f6kt\u00fc.H\u00fck\u00fcmetinald\u0131\u011f\u0131 seri tedbirlerle, k\u00fcreselfinans krizi te\u011fet ge\u00e7ince, t\u00fcketicig\u00fcveni 85 puan\u0131n \u00fczerine toparland\u0131 ve 2010 ile 2011\u2019deT\u00fcrkiye d\u00fcnya ekonomisinderekor b\u00fcy\u00fcme yakalayanilk \u00fc\u00e7 \u00fclke aras\u0131nda yerald\u0131.<\/span><\/p>

Gezi olaylar\u0131 ve \u201817-25\u2019 ikinci ve \u00fc\u00e7\u00fcnc\u00fc sald\u0131r\u0131 dalgas\u0131yd\u0131.<\/span><\/p>

7 Haziran se\u00e7imleri\u2018koalisyon\u2019a i\u015faretetti\u011finde t\u00fcketici g\u00fcveni58 puana d\u00fc\u015fm\u00fc\u015ft\u00fc. 1Kas\u0131m se\u00e7imleri ise tekrar80 puana yakla\u015ft\u0131rd\u0131.<\/span><\/p>

15 Temmuz hain darbe giri\u015fimi ile 67 puana d\u00fc\u015ft\u00fcyse de,T\u00fcrk halk\u0131n\u0131n\u00fclkesine sahip \u00e7\u0131kmas\u0131ylayeniden 74 puana \u00e7\u0131kt\u0131.\u015eimdi, ter\u00f6rve d\u00f6viz operasyonlar\u0131 \u00fczerindenolu\u015fturulmaya \u00e7al\u0131\u015f\u0131lannegatif alg\u0131yla, t\u00fcketici g\u00fcvenini70 puan\u0131n alt\u0131na \u00e7ekmeye\u00e7al\u0131\u015f\u0131yorlar.<\/span><\/p>

H\u00fck\u00fcmetimiz, ekonomi y\u00f6netimimiz, i\u015f d\u00fcnyam\u0131z, STK\u2019lar\u0131m\u0131z ve biz akademisyenler, \u2018t\u00fcketici g\u00fcveni\u2019ni yeniden g\u00fc\u00e7l\u00fc k\u0131lacak her \u00e7al\u0131\u015fman\u0131n i\u00e7inde yer almal\u0131y\u0131z.T\u00fcketici g\u00fcvenini y\u00fckseltirsek,\u20082017\u2019de y\u00fczde 4b\u00fcy\u00fcmeyi rahat yakalar\u0131z.<\/span><\/p> \t\t\t\t","slug":"esnafimizin-da-ihtiyaclarini-atlamayalim","orjinalimage":null,"news_cover_min":null,"news_cover":null,"news_video_min":null,"news_video":null,"cropped_638x552":null,"cropped_310x208":null,"cropped_416x247":null,"cropped_197x247":null,"cropped_416x600":null,"cropped_1200x675":null,"tags":"K\u00f6\u015fe Yaz\u0131s\u0131","meta_title":"Esnaf\u0131m\u0131z\u0131n da ihtiya\u00e7lar\u0131n\u0131 atlamayal\u0131m","meta_description":"Prof. Dr. Kerem Alkin","meta_keywords":"K\u00f6\u015fe Yaz\u0131s\u0131","view_count":98,"yt":0,"ytid":"","ytimage":null,"imgdate":"2000-01-01 00:00:00","cuff_cover":null,"cropped_358x214":null,"cropped_842x474":null}]}}