{"id":1622,"date":"2026-04-30T16:20:20","date_gmt":"2026-04-30T13:20:20","guid":{"rendered":"https:\/\/yukselkeles.com\/?p=1622"},"modified":"2026-04-30T16:24:49","modified_gmt":"2026-04-30T13:24:49","slug":"katilim-bankaciligi-topluma-anlatilamiyor-mu","status":"publish","type":"post","link":"https:\/\/yukselkeles.com\/?p=1622","title":{"rendered":"Kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131 topluma anlat\u0131lam\u0131yor mu?"},"content":{"rendered":"\n

Yak\u0131n zamanda Sakarya \u00dcniversitesi \u0130ktisat dergisinde bir makale yay\u0131mland\u0131. Cemil \u00c7am ve Muhammed Fatih Canbaz\u2019a ait makalenin ba\u015fl\u0131\u011f\u0131 \u201cKat\u0131l\u0131m Bankas\u0131 \u00c7al\u0131\u015fanlar\u0131n\u0131n \u0130slami Finans\u0131 Topluma Aktar\u0131m\u0131nda Kar\u015f\u0131la\u015ft\u0131\u011f\u0131 Engeller: Tematik Bir Analiz<\/em>\u201d<\/strong><\/p>\n\n\n\n

Akademik makale, Kat\u0131l\u0131m Bankalar\u0131n\u0131n \u201c\u0130slami finans el\u00e7ili\u011fi\u201d<\/strong> misyonunu ger\u00e7ekle\u015ftirebilmesi i\u00e7in gereken kurumsal d\u00f6n\u00fc\u015f\u00fcm\u00fcn ve bireysel yetkinliklerin ne \u015fekilde sa\u011flanabilece\u011fine ili\u015fkin kapsay\u0131c\u0131 bir bak\u0131\u015f a\u00e7\u0131s\u0131 geli\u015ftirmeyi ama\u00e7l\u0131yor.<\/p>\n\n\n\n

\u00c7al\u0131\u015fma kat\u0131l\u0131m bankas\u0131 \u00e7al\u0131\u015fanlar\u0131n\u0131n g\u00f6r\u00fc\u015flerine dayanmakta olup, kat\u0131l\u0131m bankas\u0131 \u00e7al\u0131\u015fanlar\u0131n\u0131n \u0130sl\u00e2mi finans\u0131 topluma anlatmakta yetersiz kal\u0131p kalmad\u0131\u011f\u0131n\u0131 anlama amac\u0131n\u0131 ta\u015f\u0131yor. Yedi kat\u0131l\u0131m bankas\u0131ndan 40 ki\u015fi ile m\u00fclakat yap\u0131lm\u0131\u015f. Kat\u0131lanlar\u0131n tamam\u0131na yak\u0131n\u0131 \u015fube \u00e7al\u0131\u015fanlar\u0131 ve a\u011f\u0131rl\u0131kl\u0131 \u015fube m\u00fcd\u00fcr\u00fc. Genel m\u00fcd\u00fcrl\u00fck \u00e7al\u0131\u015fanlar\u0131 ile orta ve \u00fcst d\u00fczey y\u00f6neticiler yok. Olsayd\u0131 daha sa\u011fl\u0131kl\u0131 olurdu belki.<\/p>\n\n\n\n

Kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131 a\u00e7\u0131s\u0131ndan k\u0131ymetli bir \u00e7al\u0131\u015fma. Eme\u011fi ge\u00e7enlere ve kat\u0131larak g\u00f6r\u00fc\u015flerini payla\u015fanlara te\u015fekk\u00fcr ederiz.<\/p>\n\n\n\n

\u00c7al\u0131\u015fmay\u0131 genel hatlar\u0131yla a\u015fa\u011f\u0131da \u00f6zetlemeye \u00e7al\u0131\u015faca\u011f\u0131m. Daha fazla bilgi almak isteyenler internet ortam\u0131nda makaleye ula\u015fabilirler. Bu konuda banka \u00fcst y\u00f6netimlerinin de bu \u00e7al\u0131\u015fmadan faydalanaca\u011f\u0131 kanaatindeyim.<\/p>\n\n\n\n

Asl\u0131nda tespitlerin bir\u00e7o\u011fu sekt\u00f6r taraf\u0131ndan biliniyor. Ancak bunlar\u0131 \u00e7\u00f6zmek irade ve zaman gerektiriyor. \u0130stenilen seviyede olmasa da bu konuda \u00e7al\u0131\u015fmalar yap\u0131ld\u0131\u011f\u0131n\u0131 da g\u00f6r\u00fcyoruz. Hem banka hem m\u00fc\u015fteri hem kamuoyu nezdinde.<\/p>\n\n\n\n

BDDK taraf\u0131ndan 2021 y\u0131l\u0131nda yay\u0131mlanan \u201cFaizsiz bankac\u0131l\u0131k ilke ve standartlar\u0131 kapsamanda m\u00fc\u015fterilerin ve kamuoyunun bilgilendirilmesine ili\u015fkin usul ve esaslar hakk\u0131nda tebli\u011f\u201d<\/strong> bu konudaki \u00e7aban\u0131n bir \u00fcr\u00fcn\u00fcd\u00fcr. Sekt\u00f6r a\u00e7\u0131s\u0131ndan yeknesak ve kurumsalla\u015fm\u0131\u015f bir bilgilendirme s\u00fcreci ortaya koymaktad\u0131r.<\/p>\n\n\n\n

\u00c7al\u0131\u015fmaya d\u00f6necek olursak;<\/p>\n\n\n\n

Kat\u0131l\u0131m bankas\u0131 \u00e7al\u0131\u015fanlar\u0131n\u0131n \u0130slami finans\u0131 etkili bi\u00e7imde aktaramamalar\u0131na yol a\u00e7an nedenler alt\u0131 temel ba\u015fl\u0131kta toplanm\u0131\u015f;<\/p>\n\n\n\n

*Bilgi ve e\u011fitim yetersizli\u011fi:<\/strong> \u00c7al\u0131\u015fanlar\u0131n \u0130slami finans kavramlar\u0131n\u0131 y\u00fczeysel bi\u00e7imde bilmeleri ve bu bilgiyi sahaya aktaramamalar\u0131d\u0131r.<\/p>\n\n\n\n

*Kurumsal yap\u0131 ve te\u015fvik eksiklikleri<\/strong>: Kat\u0131l\u0131m bankalar\u0131n\u0131n performans \u00f6l\u00e7\u00fcm kriterlerinin sat\u0131\u015f ve k\u00e2rl\u0131l\u0131k odakl\u0131 olmas\u0131, \u00e7al\u0131\u015fanlar\u0131n bilgi aktar\u0131m\u0131 ve fark\u0131ndal\u0131k olu\u015fturma motivasyonunu zay\u0131flatmaktad\u0131r.<\/p>\n\n\n\n

*Ahlak ve de\u011fer i\u00e7selle\u015ftirme eksikli\u011fi:<\/strong> \u00c7al\u0131\u015fanlar\u0131n \u0130slami finans ilkelerini mesleki bir gereklilik olarak g\u00f6rd\u00fcklerini ancak ahlaki sorumluluk ve dini motivasyon a\u00e7\u0131s\u0131ndan yeterince derinle\u015femediklerini g\u00f6stermektedir.<\/p>\n\n\n\n

*Sat\u0131\u015f bask\u0131s\u0131 ve performans odakl\u0131l\u0131k:<\/strong> \u00c7al\u0131\u015fanlar\u0131n b\u00fcy\u00fck \u00e7o\u011funlu\u011fu, ba\u015far\u0131lar\u0131n\u0131 sat\u0131\u015f rakamlar\u0131yla \u00f6l\u00e7en kurumsal sistemler i\u00e7inde faaliyet g\u00f6stermektedir. Bu durum, \u0130slami finans\u0131n ilkesel boyutunu ikinci plana itmektedir.<\/p>\n\n\n\n

*\u0130leti\u015fim becerisi eksikli\u011fi:<\/strong> Kat\u0131l\u0131m bankas\u0131 \u00e7al\u0131\u015fanlar\u0131n\u0131n teknik terimleri sadele\u015ftirmekte zorland\u0131klar\u0131, karma\u015f\u0131k kavramlar\u0131 halk\u0131n anlayabilece\u011fi bi\u00e7imde a\u00e7\u0131klayamad\u0131klar\u0131 d\u00fc\u015f\u00fcn\u00fclmektedir.<\/p>\n\n\n\n

*Toplumsal fark\u0131ndal\u0131k ve g\u00fcven eksikli\u011fi:<\/strong> Toplumsal d\u00fczeyde \u0130slami finans fark\u0131ndal\u0131\u011f\u0131n\u0131n d\u00fc\u015f\u00fck oldu\u011funu ve kat\u0131l\u0131m bankalar\u0131n\u0131n halkla ileti\u015fim stratejilerinin bu eksikli\u011fi gidermekte yetersiz kald\u0131\u011f\u0131n\u0131 g\u00f6stermektedir.<\/p>\n\n\n\n

Ara\u015ft\u0131rma \u00e7er\u00e7evesinde ortaya \u00e7\u0131kan baz\u0131 tespitler ise \u015f\u00f6yle;<\/strong><\/p>\n\n\n\n

*\u0130slami finans anlat\u0131m\u0131ndaki temel zorluklar bireysel bilgi eksikli\u011finden \u00f6teye ge\u00e7mektedir. Sorun; kurumsal, k\u00fclt\u00fcrel ve toplumsal d\u00fczeyde i\u00e7 i\u00e7e ge\u00e7mi\u015f yap\u0131sal fakt\u00f6rlerle ili\u015fkilidir.<\/p>\n\n\n\n

*Kat\u0131l\u0131m bankalar\u0131nda bilgi aktar\u0131m\u0131n\u0131n etkisizle\u015fmesinde, stratejik y\u00f6nlendirme eksikli\u011fi, e\u011fitim programlar\u0131n\u0131n y\u00fczeyselli\u011fi ve performans kriterlerinin bilgi payla\u015f\u0131m\u0131 yerine sat\u0131\u015f hacmiyle \u00f6l\u00e7\u00fclmesi belirleyici rol oynamaktad\u0131r.<\/p>\n\n\n\n

*Y\u00f6neticiler, \u00e7o\u011fu zaman sistemin ruhunu yans\u0131tan temel yakla\u015f\u0131m\u0131 \u00f6n plana \u00e7\u0131karmak yerine k\u0131sa vadeli hedeflerle s\u0131n\u0131rl\u0131 operasyonel stratejiler geli\u015ftirmektedir. Bu durum, \u00e7al\u0131\u015fanlar\u0131n \u201c\u0130slami finans el\u00e7ileri\u201d olma potansiyelini zay\u0131flatmakta ve sistemi sadece teknik bir i\u015fleyi\u015fe indirgemektedir.<\/p>\n\n\n\n

*Toplumun \u0130slami finans konusundaki bilgi d\u00fczeyinin d\u00fc\u015f\u00fck olmas\u0131, anlat\u0131m\u0131n etkinli\u011fini s\u0131n\u0131rl\u0131yor. Kurum i\u00e7i e\u011fitim s\u00fcre\u00e7leri kadar, toplumun bilin\u00e7lendirilmesine y\u00f6nelik faaliyetlerin yeniden yap\u0131land\u0131r\u0131lmas\u0131 gereklidir.<\/p>\n\n\n\n

Ara\u015ft\u0131rmaya kat\u0131lan kat\u0131l\u0131m bankas\u0131 \u00e7al\u0131\u015fanlar\u0131n\u0131n baz\u0131 sorulara verdikleri ilgin\u00e7 ve dikkat \u00e7ekici cevaplardan bir k\u0131sm\u0131 \u015f\u00f6yle;<\/strong><\/p>\n\n\n\n

*\u0130slami finans\u0131n temel prensiplerini anlatacak bir e\u011fitim almad\u0131m. Faizsizli\u011fin arkas\u0131ndaki ilke \u00e7o\u011fu \u00e7al\u0131\u015fan gibi bana da aktar\u0131lmad\u0131. E\u011fitim eksiklikleri b\u00fcy\u00fck bir sorun.<\/p>\n\n\n\n

*E\u011fitimlerde f\u0131khi arka plan hi\u00e7 verilmiyor, daha \u00e7ok sat\u0131\u015f odakl\u0131 bilgiler veriliyor.<\/p>\n\n\n\n

*Sistemsel farklar\u0131 netle\u015ftirecek g\u00f6rsel ve teknik materyal yok. Anlat\u0131m i\u00e7in kaynak materyal (tan\u0131t\u0131c\u0131 bro\u015f\u00fcr veya video i\u00e7erikleri) eksikli\u011fi hissediliyor.<\/p>\n\n\n\n

*Bankac\u0131l\u0131k hedefleri anlat\u0131m yerine sat\u0131\u015f odakl\u0131. \u015eube hedef bask\u0131s\u0131 anlat\u0131m\u0131 zorla\u015ft\u0131r\u0131yor.<\/p>\n\n\n\n

*Kat\u0131l\u0131m bankac\u0131l\u0131\u011f\u0131 sistemini y\u00fczeysel olarak biliyorum ama derinlemesine anlatam\u0131yorum<\/p>\n\n\n\n

*\u0130slami terminoloji halka karma\u015f\u0131k geliyor.<\/p>\n\n\n\n

*Toplumun bu konudaki \u00f6nyarg\u0131lar\u0131 g\u00fc\u00e7l\u00fc ve g\u00fcven eksikli\u011fi \u00e7ok belirgin.<\/p>\n\n\n\n

* Medya ve sosyal medyada \u0130slami finans olumsuz yans\u0131t\u0131l\u0131yor ve olumsuz alg\u0131 olu\u015fturuyor.<\/p>\n\n\n\n

\u00c7al\u0131\u015fma sonucu ortaya konulan \u00f6neriler ise \u015f\u00f6yle;<\/strong><\/p>\n\n\n\n

*E\u011fitim \u0130\u00e7eriklerinin D\u00f6n\u00fc\u015ft\u00fcr\u00fclmesi<\/strong>: E\u011fitimler yaln\u0131zca \u00fcr\u00fcn veya sistemin tan\u0131t\u0131m\u0131na y\u00f6nelik planlanmamal\u0131d\u0131r. \u0130slami finans\u0131n f\u0131khi, ahlaki ve toplumsal boyutlar\u0131na da odaklan\u0131lmal\u0131d\u0131r.<\/p>\n\n\n\n

*Kurumsal Anlat\u0131m Stratejileri: <\/strong>Her d\u00fczeyde \u00e7al\u0131\u015fan i\u00e7in sade, rehber nitelikte anlat\u0131m materyalleri geli\u015ftirilmelidir.<\/p>\n\n\n\n

*Motivasyon ve Aidiyet:<\/strong> \u00c7al\u0131\u015fanlar\u0131n temsil kabiliyetini g\u00fc\u00e7lendiren manevi ve k\u00fclt\u00fcrel te\u015fvik mekanizmalar\u0131 olu\u015fturulmal\u0131d\u0131r. Bu te\u015fvik mekanizmalar\u0131 yaln\u0131zca sembolik d\u00fczeyde kalmamal\u0131; performans kriterlerine eklenerek desteklenmelidir.<\/p>\n\n\n\n

*\u0130stihdam Politikalar\u0131:<\/strong> Alan uzmanl\u0131\u011f\u0131 (\u0130slam ekonomisi, ilahiyat, finans) g\u00f6zetilerek insan kayna\u011f\u0131 \u00e7e\u015fitlili\u011fi art\u0131r\u0131lmal\u0131d\u0131r.<\/p>\n\n\n\n

*\u0130leti\u015fim ve Sosyal Etkile\u015fim:<\/strong> Halkla ili\u015fkiler, medya ve dijital platformlarda g\u00fcven temelli, sade ve kapsay\u0131c\u0131 bir dil benimsenmelidir.<\/p>\n\n\n\n

Dr. Y\u00fcksel Kele\u015f\/ T\u0130MET\u00dcRK<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Yak\u0131n zamanda Sakarya \u00dcniversitesi \u0130ktisat dergisinde bir makale yay\u0131mland\u0131. Cemil \u00c7am ve Muhammed Fatih Canbaz\u2019a ait makalenin ba\u015fl\u0131\u011f\u0131 \u201cKat\u0131l\u0131m Bankas\u0131 \u00c7al\u0131\u015fanlar\u0131n\u0131n \u0130slami Finans\u0131 Topluma Aktar\u0131m\u0131nda Kar\u015f\u0131la\u015ft\u0131\u011f\u0131 Engeller: Tematik Bir Analiz\u201d Akademik makale, Kat\u0131l\u0131m Bankalar\u0131n\u0131n \u201c\u0130slami finans el\u00e7ili\u011fi\u201d misyonunu ger\u00e7ekle\u015ftirebilmesi i\u00e7in gereken kurumsal d\u00f6n\u00fc\u015f\u00fcm\u00fcn ve bireysel yetkinliklerin ne \u015fekilde sa\u011flanabilece\u011fine ili\u015fkin kapsay\u0131c\u0131 bir bak\u0131\u015f a\u00e7\u0131s\u0131 geli\u015ftirmeyi ama\u00e7l\u0131yor. \u00c7al\u0131\u015fma kat\u0131l\u0131m […]<\/p>\n","protected":false},"author":1,"featured_media":1467,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"class_list":["post-1622","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\/1622","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=1622"}],"version-history":[{"count":1,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=\/wp\/v2\/posts\/1622\/revisions"}],"predecessor-version":[{"id":1623,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=\/wp\/v2\/posts\/1622\/revisions\/1623"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=\/wp\/v2\/media\/1467"}],"wp:attachment":[{"href":"https:\/\/yukselkeles.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1622"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1622"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yukselkeles.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1622"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}