Bu yaz\u0131mda kat\u0131l\u0131m bankalar\u0131n m\u00fc\u015fteri kitlesini de\u011ferlendirmek istiyorum. Bunu yaparken bir anket ya da saha \u00e7al\u0131\u015fmas\u0131na ba\u015fvurmad\u0131m. Bu nedenle bu sonu\u00e7lara nereden ula\u015ft\u0131\u011f\u0131m\u0131 merak edebilirsiniz. Uzun y\u0131llar kat\u0131l\u0131m banklar\u0131nda g\u00f6rev yapan biri olarak binlerce m\u00fc\u015fteriyle birebir temaslar\u0131m\u0131z\u0131n ve g\u00f6zlemlerimizin sonu\u00e7lar\u0131 diyebiliriz.<\/p>\n\n\n\n
Genel olarak bilinenin aksine kat\u0131l\u0131m bankalar\u0131n\u0131n m\u00fc\u015fterileri sadece dindar insanlardan olu\u015fmamaktad\u0131r (Ben dindar demeyi tercih ettim, muhafazak\u00e2r ya da faiz hassasiyeti olanlar da denilebilir). Ancak faiz yasa\u011f\u0131 nedeniyle kat\u0131l\u0131m bankalar\u0131 ile \u00e7al\u0131\u015fmak dindarlar\u0131n \u00f6ncelikli tercihi olsa da her g\u00f6r\u00fc\u015ften ve her dinden insan vard\u0131r. Yine bilinenin aksine kat\u0131l\u0131m bankalar\u0131 da sadece dindar de\u011fil her kesimden insan ile \u00e7al\u0131\u015fmak ister, \u00e7al\u0131\u015fmaktad\u0131r da.<\/p>\n\n\n\n
Farkl\u0131 bir kesim daha var ki bu insanlar dindar oldu\u011fu halde kat\u0131l\u0131m bankalar\u0131 ile dahi \u00e7al\u0131\u015fmazlar<\/strong>. Bu insanlar kat\u0131l\u0131m bankalar\u0131n\u0131n da i\u015flemlerinde \u015f\u00fcphe oldu\u011funa ya da faizli bankalardan fark\u0131 olmad\u0131\u011f\u0131na inand\u0131klar\u0131 i\u00e7in m\u00fc\u015fterisi olmazlar. A\u015fa\u011f\u0131da bahsedece\u011fim guruplar\u0131n d\u0131\u015f\u0131nda kalan bu kesim az\u0131nl\u0131ktad\u0131r. Ben bu insanlar\u0131n samimi g\u00f6r\u00fc\u015flerine sayg\u0131 duyulmas\u0131 ve kat\u0131l\u0131m bankalar\u0131 ile \u00e7al\u0131\u015fmalar\u0131 i\u00e7in ikna \u00e7abalar\u0131na girilmemesi gerekti\u011fine inan\u0131yorum. Bir de kat\u0131l\u0131m bankalar\u0131n\u0131 faizli bankalardan farkl\u0131 g\u00f6rmeyen fakat kat\u0131l\u0131m bankalar\u0131 ile \u00e7al\u0131\u015fmay\u0131p faizli bankalarla alabildi\u011fine \u00e7al\u0131\u015fan dindar kesim<\/strong> bulunmaktad\u0131r. Bu gurup da az\u0131nl\u0131k olup, a\u015fa\u011f\u0131daki de\u011ferlendirmenin d\u0131\u015f\u0131ndad\u0131r.<\/p>\n\n\n\n De\u011ferlendirmelerimiz bir ele\u015ftiri de\u011fil insanlarla yapt\u0131\u011f\u0131m\u0131z g\u00f6r\u00fc\u015fmelerde bizlere ifade edilenler ile g\u00f6zlemlerimizin sonucudur. O insanlar\u0131n tercihlerini ve davran\u0131\u015flar\u0131n\u0131 etkileyen \u00e7ok say\u0131da saik bulunmaktad\u0131r. Bu saiklerin hakl\u0131 olup olmad\u0131\u011f\u0131 bu yaz\u0131n\u0131n konusu de\u011fildir. Bu detay\u0131 vurgulad\u0131ktan sonra kat\u0131l\u0131m bankas\u0131 m\u00fc\u015fterilerine bakabiliriz;<\/p>\n\n\n\n 1-Sadece kat\u0131l\u0131m bankalar\u0131 ile \u00e7al\u0131\u015fan ki\u015fi ve \u015firketler;<\/strong><\/p>\n\n\n\n Bu kesim kat\u0131l\u0131m bankalar\u0131n\u0131n ger\u00e7ekten faizsiz bankac\u0131l\u0131k yapt\u0131\u011f\u0131na inanan ve bu nedenle faizli bankalarla \u00e7al\u0131\u015fmayan sad\u0131k m\u00fc\u015fteri kitlesidir. Ancak kat\u0131l\u0131m bankalar\u0131nda san\u0131lan\u0131n aksine bu kesim ana m\u00fc\u015fteri kitlesini olu\u015fturmaz<\/strong>. Bu insanlar mecbur kalmad\u0131k\u00e7a faizli bankalardan uzak durmaya ve kat\u0131l\u0131m bankas\u0131 ile \u00e7al\u0131\u015fmaya gayret eden dindarlardan olu\u015fmaktad\u0131r. Kredi maliyetleri veya faiz gelirleri kat\u0131l\u0131m bankalar\u0131ndan daha iyi imkanlar sunsa dahi faizli bankalarla \u00e7al\u0131\u015fmazlar. Bu gurup kat\u0131l\u0131m bankalar\u0131n\u0131n tam istenilen bir yap\u0131da oldu\u011funu da iddia etmemekle birlikte g\u00fcn\u00fcm\u00fcz \u015fartlar\u0131ndan kat\u0131l\u0131m bankalar\u0131n\u0131 makul kabul etmekte, yeri geldi\u011finde bu bankalar\u0131 ele\u015ftirebilmekte, hatta faizli bankalara benzeme tehlikesini zaman zaman vurgulamaktad\u0131r. Bunlar yap\u0131c\u0131 ve kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131n\u0131n geli\u015fmesini sa\u011flayan ele\u015ftiriler olup, bu kesimin samimiyetinden, faizsiz bankac\u0131l\u0131\u011fa inanc\u0131ndan kaynaklanmaktad\u0131r.<\/p>\n\n\n\n 2-Hem kat\u0131l\u0131m bankas\u0131 ile hem de faizli bankalarla \u00e7al\u0131\u015fan ki\u015fi ve \u015firketler;<\/strong><\/p>\n\n\n\n Bu kesim kat\u0131l\u0131m bankas\u0131n\u0131n ana m\u00fc\u015fteri kitlesini<\/em><\/strong> olu\u015fturur. C\u00fczdan testi<\/strong> ile anlayabilirsiniz. Kat\u0131l\u0131m bankas\u0131 m\u00fc\u015fterilerinin \u00e7o\u011funun c\u00fczdanlar\u0131nda faizli bankalar\u0131n kredi kartlar\u0131n\u0131 g\u00f6rebilirsiniz. Kat\u0131l\u0131m bankas\u0131 \u00e7al\u0131\u015fanlar\u0131nda bile vard\u0131r. Bu gurubun i\u00e7inde hem dindar hem de di\u011fer g\u00f6r\u00fc\u015f ve dinden insanlar yer almaktad\u0131r.<\/p>\n\n\n\n Bu guruptaki dindarlar\u0131n profiline bakal\u0131m;<\/p>\n\n\n\n – Faizli bankalar\u0131n m\u00fc\u015fterisi iken kat\u0131l\u0131m bankalar\u0131 ile de \u00e7al\u0131\u015fmaya ba\u015flam\u0131\u015flard\u0131r ancak faizli bankalarla ili\u015fkilerini de kesmezler\/kesemezler.<\/p>\n\n\n\n – Kat\u0131l\u0131m bankalar\u0131n\u0131n faizsiz banka oldu\u011funu kabul etmekle birlikte faizli bankalarla \u00e7al\u0131\u015fmak zorunda olduklar\u0131na inananlar. Kat\u0131l\u0131m bankalar\u0131n\u0131n onlar\u0131n t\u00fcm ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131layamad\u0131\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcrler. Onlara g\u00f6re faizli bankalarla \u00e7al\u0131\u015fmak zaruret<\/strong> halidir.<\/p>\n\n\n\n – Faizli bankalar\u0131n \u00fcr\u00fcn ve hizmetlerinin kat\u0131l\u0131m bankalar\u0131ndan daha iyi ve ucuz oldu\u011funda faizli bankalar\u0131 aksi durumda kat\u0131l\u0131m bankalar\u0131n\u0131 tercih edenler.<\/p>\n\n\n\n – Kat\u0131l\u0131m bankalar\u0131 ile \u00e7al\u0131\u015fmak isteyen ancak faizli bankadan pahal\u0131 oldu\u011funa inananlar. Bu gurup kat\u0131l\u0131m bankalar\u0131n\u0131n faizli bankalardan daima ucuz olmas\u0131n\u0131 beklerler. Onlara g\u00f6re ucuz olursa caiz pahal\u0131 olursa faiz<\/strong>dir. Pahal\u0131 olduklar\u0131nda faizli bankalara gitmek zorunda kal\u0131rlar. G\u00fcnah\u0131 kat\u0131l\u0131m bankalar\u0131n\u0131n boynunad\u0131r.<\/p>\n\n\n\n – Kat\u0131l\u0131m bankalar\u0131n\u0131 tercih eden, ancak sadece faizli olsa dahi devlet bankas\u0131yla \u00e7al\u0131\u015fmakta sak\u0131nca g\u00f6rmeyenler. <\/p>\n\n\n\n – Ticari ili\u015fkide olduklar\u0131 ya da \u00e7al\u0131\u015ft\u0131klar\u0131 kesimler taraf\u0131ndan sadece kat\u0131l\u0131m bankas\u0131 ile \u00e7al\u0131\u015f\u0131yor g\u00f6r\u00fcnmek istemeyenler. B\u00f6yle g\u00f6r\u00fcnd\u00fcklerinde ili\u015fkilerinin olumsuz etkilenece\u011fini d\u00fc\u015f\u00fcnenler. <\/p>\n\n\n\n – \u0130badet hayat\u0131 ile ticaret hayat\u0131n\u0131 farkl\u0131 g\u00f6renler. \u015eahsi i\u015flerinde kat\u0131l\u0131m bankalar\u0131n\u0131, ticari i\u015flerinde faizli bankalar\u0131 tercih edenler.<\/p>\n\n\n\n – Kat\u0131l\u0131m bankalar\u0131n\u0131 zaman zaman ele\u015ftiren ve onlara mahk\u00fbm olmad\u0131klar\u0131n\u0131 g\u00f6stermek i\u00e7in faizli bankalarla da \u00e7al\u0131\u015fmaya devam edenler.<\/p>\n\n\n\n – Kat\u0131l\u0131m bankas\u0131 m\u00fc\u015fterisi iken faizli banka ile \u00e7al\u0131\u015fan ancak faiz geliri almayan ya da ald\u0131klar\u0131 faiz gelirlerini da\u011f\u0131tanlar.<\/p>\n\n\n\n – Kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131na inanan ancak faizli bankalarla da zaruret halinde \u00e7al\u0131\u015f\u0131labilece\u011fine inananlar.<\/p>\n\n\n\n – Faizli bankalarla kredi ve mevduat ili\u015fkisi kurmadan yani faiz al\u0131p vermeden di\u011fer bankac\u0131l\u0131k \u00fcr\u00fcnlerini kullanarak \u00e7al\u0131\u015fmakta sak\u0131nca g\u00f6rmeyenler.<\/p>\n\n\n\n – Ya da burada saymad\u0131\u011f\u0131m\u0131z sizin s\u00f6yleyece\u011finiz ki\u015filer\u2026<\/p>\n\n\n\n 3-Faizin haraml\u0131\u011f\u0131 ile ilgilenmeyen ancak kat\u0131l\u0131m bankas\u0131 ile \u00e7al\u0131\u015fanlar;<\/strong><\/p>\n\n\n\n Bu kesim faizsiz oldu\u011fu i\u00e7in de\u011fil kat\u0131l\u0131m bankalar\u0131n\u0131n \u00fcr\u00fcn ve hizmetleri faizli bankalardan ucuz ve avantajl\u0131<\/strong> oldu\u011fu durumlarda kat\u0131l\u0131m bankalar\u0131n\u0131 tercih ederler. \u0130nan\u00e7tan ba\u011f\u0131ms\u0131z, ekonomik sonu\u00e7lara g\u00f6re karar veren ki\u015fi ve \u015firketlerdir. Tercihlerinde dini de\u011ferler de\u011fil ekonomik menfaatler etkilidir.<\/p>\n\n\n\n 4-Kat\u0131l\u0131m bankalar\u0131n\u0131 tercih etmeyen ancak \u00e7al\u0131\u015fmak zorunda kalanlar;<\/strong><\/p>\n\n\n\n Bu kesim asl\u0131nda kat\u0131l\u0131m bankas\u0131 ile \u00e7al\u0131\u015fmak istemeyen ancak ili\u015fkide oldu\u011fu ki\u015fi ve \u015firketlerden dolay\u0131 kat\u0131l\u0131m bankas\u0131 ile \u00e7al\u0131\u015fmak zorunda olanlard\u0131r. \u00c7al\u0131\u015ft\u0131\u011f\u0131 \u015firketin, maa\u015f\u0131n\u0131 kat\u0131l\u0131m bankas\u0131na yat\u0131rd\u0131\u011f\u0131 ki\u015fi bu guruptad\u0131r. Kendi tercihi olsa kat\u0131l\u0131m bankas\u0131yla \u00e7al\u0131\u015fmaz. Dindar kesime konut satmak i\u00e7in kat\u0131l\u0131m bankas\u0131 ile kredi anla\u015fmas\u0131 yapmak zorunda kalan \u015firket de bu guruptad\u0131r.<\/p>\n\n\n\n Yukar\u0131da bahsetti\u011fimiz bu d\u00f6rt gurubun kat\u0131l\u0131m bankalar\u0131 ile \u00e7al\u0131\u015fma davran\u0131\u015f\u0131n\u0131 sadece faiz yasa\u011f\u0131 belirlememektedir. \u00dcr\u00fcn ve hizmetlerin fiyat\u0131 ve kalitesi de etkilidir. Kat\u0131l\u0131m bankalar\u0131 \u00fcr\u00fcn ve hizmetlerini iyile\u015ftirdik\u00e7e ve yayg\u0131nla\u015ft\u0131rd\u0131k\u00e7a m\u00fc\u015fteri kitlesi ikinci ve \u00fc\u00e7\u00fcnc\u00fc guruba do\u011fru geni\u015flemekte, prensiplerinden taviz verdik\u00e7e ya da verdi\u011fi d\u00fc\u015f\u00fcn\u00fcld\u00fck\u00e7e birinci guruptan uzakla\u015fmaktad\u0131r. <\/p>\n\n\n\n \u0130slam, faizi bir zul\u00fcm ve s\u00f6m\u00fcr\u00fc mekanizmas\u0131 olarak g\u00f6rmektedir. Faizsiz bankac\u0131l\u0131k da bu prensipler \u00e7er\u00e7evesinde hizmet vermek gayesindedir. Faiz, toplumsal ve iktisadi zararlar\u0131ndan dolay\u0131 sadece M\u00fcsl\u00fcmanlar\u0131n de\u011fil t\u00fcm insanl\u0131\u011f\u0131n m\u00fccadele etmesi gereken bir konudur<\/strong>. Yahudilik ve H\u0131ristiyanl\u0131k gibi t\u00fcm semavi dinlerde yasaklanmas\u0131 da bunun bir g\u00f6stergesidir. Bu nedenle faizsiz bankac\u0131l\u0131k sadece M\u00fcsl\u00fcmanlar i\u00e7in de\u011fil t\u00fcm insanl\u0131k i\u00e7in gerekli bir bankac\u0131l\u0131k modeli \u00f6nermelidir. \u00d6yleyse kat\u0131l\u0131m bankalar\u0131 sadece dindarlara ya da M\u00fcsl\u00fcmanlara de\u011fil t\u00fcm insanlara hizmet verme anlay\u0131\u015f\u0131nda olmal\u0131d\u0131r.<\/p>\n\n\n\n Dr. Y\u00fcksel KELE\u015e<\/p>\n\n\n\n Not: Bu yaz\u0131 Timeturk haber sitesinden al\u0131nm\u0131\u015ft\u0131r.<\/p>\n","protected":false},"excerpt":{"rendered":" Bu yaz\u0131mda kat\u0131l\u0131m bankalar\u0131n m\u00fc\u015fteri kitlesini de\u011ferlendirmek istiyorum. Bunu yaparken bir anket ya da saha \u00e7al\u0131\u015fmas\u0131na ba\u015fvurmad\u0131m. Bu nedenle bu sonu\u00e7lara nereden ula\u015ft\u0131\u011f\u0131m\u0131 merak edebilirsiniz. Uzun y\u0131llar kat\u0131l\u0131m banklar\u0131nda g\u00f6rev yapan biri olarak binlerce m\u00fc\u015fteriyle birebir temaslar\u0131m\u0131z\u0131n ve g\u00f6zlemlerimizin sonu\u00e7lar\u0131 diyebiliriz. Genel olarak bilinenin aksine kat\u0131l\u0131m bankalar\u0131n\u0131n m\u00fc\u015fterileri sadece dindar insanlardan olu\u015fmamaktad\u0131r (Ben dindar demeyi […]<\/p>\n","protected":false},"author":1,"featured_media":1619,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"class_list":["post-1617","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-isfin"],"_links":{"self":[{"href":"https:\/\/yukselkeles.com\/index.php?rest_route=\/wp\/v2\/posts\/1617","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yukselkeles.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yukselkeles.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1617"}],"version-history":[{"count":1,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=\/wp\/v2\/posts\/1617\/revisions"}],"predecessor-version":[{"id":1618,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=\/wp\/v2\/posts\/1617\/revisions\/1618"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=\/wp\/v2\/media\/1619"}],"wp:attachment":[{"href":"https:\/\/yukselkeles.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1617"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1617"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1617"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}