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Birol BOZKURT<\/strong><\/p>\n T\u00fcrkiye\u2019de se\u00e7im \u00f6ncesinde ba\u015flayan kredi durgunlu\u011fu se\u00e7im sonras\u0131nda da devam ediyor. Ekonomik sorunlar\u0131n\u0131 \u00e7\u00f6z\u00fcme kavu\u015fturmak isteyen vatanda\u015flar kredi \u00e7ekmek istese de bankalar kredi vermekte olduk\u00e7a isteksiz davran\u0131yor. Hal b\u00f6yle olunca krediye ula\u015fmakta zorluk ya\u015fayan vatanda\u015flar alternatif finansman alanlar\u0131na y\u00f6neldi. 2021 y\u0131l\u0131nda reg\u00fcle edilen Tasarruf Finansman sekt\u00f6r\u00fc en b\u00fcy\u00fck alternatif kanal\u0131 olarak \u00f6n plana \u00e7\u0131k\u0131yor.<\/p>\n Finansal Kurumlar Birli\u011fi ve \u0130bn Haldun \u00dcniversitesi\u2019nin i\u015f birli\u011finde, \u2018Tasarruf Finansman Ara\u015ft\u0131rma ve Uygulama Merkezi\u2019 protokol t\u00f6reninde sorular\u0131m\u0131z\u0131 yan\u0131tlayan Fuzul Tasarruf Finansman Y\u00f6netim Kurulu Ba\u015fkan\u0131 Ey\u00fcp Akbal, \u201cAlternatif finansmanlara y\u00f6nelme oldu\u011funu g\u00f6r\u00fcyoruz. Tasarruf Finansman \u015firketlerine ilginin bu d\u00f6nemde artt\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcyoruz. Bu ilgi rakamlarda da kendini g\u00f6steriyor.<\/p>\n Y\u0131l\u0131n ilk 6 ay\u0131nda elde etti\u011fimiz cirolar ge\u00e7en y\u0131l\u0131n tamam\u0131n\u0131 geride b\u0131rakm\u0131\u015f durumda. Sa\u011flad\u0131\u011f\u0131m\u0131z finansman rakamlar\u0131n\u0131n yukar\u0131 y\u00f6nl\u00fc revize edilmesine y\u00f6nelik \u00e7al\u0131\u015fmalar\u0131m\u0131z s\u00fcr\u00fcyor. Bu konuda BDDK ile temas halindeyiz. \u015eu anda 1 milyon TL \u00fczerinde finansman sa\u011flayam\u0131yoruz. Bu rakamlar\u0131n yukar\u0131 \u00e7\u0131kmas\u0131 gerekiyor\u201d dedi.<\/p>\n \u201cSekt\u00f6r sekiz y\u0131lda y\u00fczde 854 oran\u0131nda b\u00fcy\u00fcd\u00fc\u201d<\/strong><\/p>\n Tasarruf Finansman sekt\u00f6r\u00fcn\u00fcn istikrarl\u0131 bir \u015fekilde b\u00fcy\u00fcd\u00fc\u011f\u00fcn\u00fc ve y\u00fcksek b\u00fcy\u00fcme potansiyeline sahip oldu\u011funu da ifade eden Ey\u00fcp Akbal, \u015funlar\u0131 kaydetti; \u201c2015 y\u0131l sonu itibar\u0131yla 2 \u015firket, 66 \u015fube ve 1,5 milyar TL aktif b\u00fcy\u00fckl\u00fc\u011f\u00fcne sahip olan sekt\u00f6r; 2021 y\u0131l\u0131nda 12,3 milyar TL\u2019ye, Aral\u0131k 2022\u2019de 14,3 milyar TL\u2019ye ve Haziran 2023 d\u00f6neminde ise 15,6 milyar TL\u2019ye ula\u015ft\u0131.<\/p>\n Bu geli\u015fme sekt\u00f6r\u00fcn sekiz y\u0131lda %854 oran\u0131nda b\u00fcy\u00fcd\u00fc\u011f\u00fcne i\u015faret ediyor. Haziran 2023 d\u00f6neminde toplam 433 adet \u015fube ve 4.130 ki\u015filik bir istihdam b\u00fcy\u00fckl\u00fc\u011f\u00fcne ula\u015fan sekt\u00f6r\u00fcn m\u00fc\u015fteri say\u0131s\u0131 da 337 bin ki\u015fi olarak ger\u00e7ekle\u015fti. Tasarruf ve finansman d\u00f6nemine ait s\u00f6zle\u015fme tutar toplam\u0131 ise Haziran 2023 tarihi itibariyle 106 milyar TL\u2019ye eri\u015fti. Daha yeni bir sekt\u00f6r\u00fcz bu sekt\u00f6r\u00fc daha ileriye ta\u015f\u0131mak i\u00e7in \u00e7al\u0131\u015fmalar yap\u0131yoruz. Bu anlamda akademik \u00e7al\u0131\u015fmalar y\u00fcr\u00fctmemiz olduk\u00e7a \u00f6nemli.\u201d<\/p>\n \u201cHalk\u0131n sadece y\u00fczde 17\u2019si tasarruf yap\u0131yor\u201d<\/strong><\/p>\n T\u00fcrkiye\u2019de tasarruf bilincinin yerle\u015fmesi gerekti\u011fini ifade eden Ey\u00fcp Akbal, \u015funlar\u0131 s\u00f6yledi; \u201cT\u00fcrkiye\u2019nin Tasarruf E\u011filimleri Ara\u015ft\u0131rmas\u0131\u2019na g\u00f6re 2022 y\u0131l\u0131n\u0131n son \u00e7eyre\u011finde halk\u0131m\u0131z\u0131n neredeyse %17\u2019si tasarruf yapabiliyor. 2 y\u0131ld\u0131r da bu oran ayn\u0131 d\u00fczeyde seyrediyor. Tasarruf yapmay\u0131 planlayanlar\u0131n oran\u0131 ise %35 seviyesinde. Tasarruf yapmay\u0131 planlayan bu ki\u015filere, faaliyet g\u00f6sterdi\u011fimiz tasarruf finansman sekt\u00f6r\u00fc; faizsiz ve kredisiz \u00e7\u00f6z\u00fcm sunuyor.\u201d<\/p>\n \u2018Tasarruf Finansman Ara\u015ft\u0131rma ve Uygulama Merkezi\u2019 kuruluyor<\/strong><\/p>\n Finansal Kurumlar Birli\u011fi (FKB) \u00e7at\u0131s\u0131 alt\u0131ndaki Tasarruf Finansman Sekt\u00f6r\u00fc ile \u0130bn Haldun \u00dcniversitesi Rekt\u00f6rl\u00fc\u011f\u00fc aras\u0131nda, Tasarruf Finansman Ara\u015ft\u0131rma ve Uygulama Merkezi\u2019nin kurulmas\u0131na y\u00f6nelik protokol imzaland\u0131. \u00dcniversite b\u00fcnyesinde FKB\u2019nin deste\u011fi ile kurulacak Tasarruf Finansman Ara\u015ft\u0131rma ve Uygulama Merkezi; tasarruf bilincinin olu\u015fmas\u0131, \u00fcr\u00fcn \u00e7e\u015fitlili\u011finin artmas\u0131, bilimsel ara\u015ft\u0131rmalar\u0131n yap\u0131lmas\u0131, finansal okuryazarl\u0131\u011f\u0131n y\u00fckselmesi i\u00e7in \u00e7al\u0131\u015fmalar y\u00fcr\u00fctecek.<\/p>\n FKB Ba\u015fkan\u0131 Ali Emre Ball\u0131, \u0130bn Haldun \u00dcniversitesi M\u00fctevelli Heyeti Ba\u015fkan\u0131 Prof. Dr. \u0130rfan G\u00fcnd\u00fcz, \u0130bn Haldun \u00dcniversitesi Rekt\u00f6r\u00fc Prof. Dr. Atilla Arkan ile Tasarruf Finansman \u015firketlerinin ve Birlik y\u00f6neticilerinin kat\u0131l\u0131m\u0131 ile imza t\u00f6reni d\u00fczenlendi. \u0130mza t\u00f6reninde konu\u015fan FKB Ba\u015fkan Vekili ve Tasarruf Finansman Sekt\u00f6r\u00fc Ba\u015fkan\u0131 Ey\u00fcp Akbal; \u201c30 y\u0131l\u0131 a\u015fk\u0131n s\u00fcredir y\u00fcz binlerce ki\u015finin ev, araba ve \u00e7at\u0131l\u0131 i\u015f yeri sahibi olmas\u0131na arac\u0131l\u0131k eden Tasarruf Finansman sekt\u00f6r\u00fc temsilcileri olarak; \u0130bn Haldun \u00dcniversitesi ile yapt\u0131\u011f\u0131m\u0131z i\u015f birli\u011fi ile dayan\u0131\u015fma ekonomisinin felsefesinin olu\u015fturulmas\u0131, bilimsel ve akademik \u00e7al\u0131\u015fmalar\u0131n yayg\u0131nla\u015ft\u0131r\u0131lmas\u0131 konusunda \u00f6nemli bir bo\u015flu\u011fu doldurmu\u015f olaca\u011f\u0131z\u201d dedi.<\/p>\n<\/p><\/div>\n