B<\/span>\u0130R\u0130NC\u0130 B\u00d6L\u00dcM\u00a0\u00a0 (Genel Olarak \u0130slam Ekonomisi)<\/strong><\/p>\n

\u0130slam dini d\u00fcnyaya ait fiiller i\u00e7inde ibadetler ve ahlak kaideleri yan\u0131nda \u201cmuamelat\u201d tabir edilen muamele ve fiilleri de kapsar. Muamelat tabiri ise \u0130slam dini terminolojisinde \u201c\u0130slam Hukuku\u201d veya \u201c\u0130slam F\u0131kh\u0131\u201d \u015feklinde a\u00e7\u0131klanabilir. \u0130slam ekonomisi de \u0130slam Hukukunun\u00a0 ekonomi ile ilgili olanlar\u0131n\u0131 kapsar. \u0130slam ekonomisi olarak ele almak asr\u0131m\u0131z\u0131n \u015fartlar\u0131na uygundur.<\/p>\n

\u0130slam ekonomisinin iki ana konusu vard\u0131r. Zekat ve Faiz. \u00dcstad\u2019\u0131n tabiri ile v\u00fccub-u zekat ve hurmet -i ribad\u0131r. Ayr\u0131ca vak\u0131flar\u00a0 \u0130slam ekonomisinde \u00f6nemli yer te\u015fkil ederler. Bunda ba\u015fka devletin m\u00fcdahalesi ,bankac\u0131l\u0131k, sigorta, enflasyon, i\u015f\u00e7i-i\u015fveren ili\u015fkileri \u0130slam ekonomisini ilgilendiren konulard\u0131r.<\/p>\n

\u0130K\u0130NC\u0130 B\u00d6L\u00dcM\u00a0 ( \u0130slam Bankac\u0131l\u0131\u011f\u0131)<\/strong><\/p>\n

G\u00fcn\u00fcm\u00fczde bankalar faizle kredi vermenin d\u0131\u015f\u0131nda 20\u2019den fazla i\u015f yap\u0131yorlar ve bunlara insanlar ihtiya\u00e7 duymaktad\u0131rlar. Mademki \u0130slam evrenseldir, \u00f6yle ise insanlar\u0131n bu ihtiya\u00e7lar\u0131n\u0131 kar\u015f\u0131layarak m\u00fcesseselerin olu\u015fmas\u0131na cevaz vermelidir. Burada sadece faizin olmamas\u0131 laz\u0131md\u0131r. Bundan dolay\u0131 da \u0130slam bankac\u0131l\u0131\u011f\u0131, m\u00fcsl\u00fcmanlar\u0131 faizden kurtaran m\u00fcessedir ve \u00f6nemlidir.<\/p>\n

\u0130slam bankas\u0131, bankac\u0131l\u0131k i\u015flemlerini \u0130slam ekonomisi esaslar\u0131na uygun olarak yapan bir kurulu\u015f olarak tan\u0131mlayabiliriz. \u0130lk \u0130slam bankas\u0131 1974\u2019deM\u0131s\u0131r\u2019da kurulan \u201cNas\u0131r Sosyal \u201cbankas\u0131d\u0131r.<\/p>\n

\u00dc\u00e7 tip \u0130slam bankas\u0131 vard\u0131r:<\/p>\n

\n
1. Kalk\u0131nma bankas\u0131: Tek \u00f6rne\u011fi \u0130slam Kalk\u0131nma Bankas\u0131d\u0131r.<\/li>\n
2. Sosyal gayeli bankalar.<\/li>\n
3. \u0130slami esasl\u0131 ticaret bankalar\u0131.<\/li>\n<\/ol>\n

   \u0130slam Bankac\u0131l\u0131\u011f\u0131nda \u00fc\u00e7 mevhum<\/p>\n

   \n
   1. Mudarabe:<\/strong> Bir taraf\u0131n para, di\u011fer taraf\u0131n ise eme\u011fini koyarak ortak bir ticari faaliyet yap\u0131lmas\u0131na denir. Emek-sermaye \u015firketi denebilir. Zarar edilirse para koyan paras\u0131n\u0131 emek koyan da zaman ve eme\u011fini kaybetmi\u015f olur. Bug\u00fcnk\u00fc \u0130slam bankac\u0131l\u0131\u011f\u0131nda \u00e7ok kullan\u0131l\u0131r. Ge\u00e7erli olabilmesi i\u00e7in<\/li>\n
   2. Sermayenin ge\u00e7erli bir para olmas\u0131<\/li>\n
   3. S\u00f6zle\u015fme an\u0131nda sermayenin emek sahibine teslim edilmi\u015f olmas\u0131<\/li>\n
   4. K\u00e2r\u0131n oranl\u0131 olarak tesbit edilmi\u015f olmas\u0131 laz\u0131md\u0131r.<\/li>\n<\/ol>\n

      Herhangi bir kay\u0131t yoksa emek sahibi her i\u015flemi yapabilir. Fakat s\u00f6zle\u015fme ile s\u0131n\u0131rlanabilir. E\u011fer emek sahibi s\u00f6zle\u015fmeye uymaz ise sermayeyi iade eder, k\u00e2r varsa kendine kal\u0131r. Zarar varsa ,emek sahibinden bu tanzim edilemez ve b\u00f6yle bir h\u00fck\u00fcm s\u00f6zle\u015fmeye konamaz.<\/p>\n

      \n
      1. M\u00fc\u015fareke: <\/strong>\u0130ki taraf\u0131n ortakl\u0131k kurmas\u0131na denir. Sermaye sahibi ve emek sahibinin i\u015fi beraberce ger\u00e7ekle\u015ftirmesine denir. Sermaye sahibi i\u015fin ger\u00e7ekle\u015ftirilmesi a\u015famas\u0131nda s\u00f6z sahibi olur. Emek sahibi de bir miktar sermaye koyar. \u0130\u015fletmenin ba\u015f\u0131ndaki ki\u015fi y\u00f6netime katk\u0131s\u0131ndan dolay\u0131 bir pay al\u0131r ve geri kalan kar sermayenin oran\u0131na g\u00f6re da\u011f\u0131t\u0131l\u0131r. E\u011fer zarar olursa sermayeye g\u00f6re \u00f6nceden belirtilen \u015fekliyle yans\u0131t\u0131l\u0131r.<\/li>\n
      2. Murabaha<\/strong>: Bir mal\u0131n pe\u015fin al\u0131n\u0131p ,\u00fczerine k\u00e2r konulup vadeli sat\u0131lmas\u0131na denir.<\/li>\n<\/ol>\n

         \u00dc\u00c7\u00dcNC\u00dc B\u00d6L\u00dcM (\u0130\u015f\u00e7i-\u0130\u015fveren M\u00fcnasebetleri)<\/strong><\/p>\n

         \u0130slam Hukukunda i\u015f\u00e7i-i\u015fveren m\u00fcnasebeti kira(icar akdi h\u00fck\u00fcmleri \u00e7er\u00e7evesinde d\u00fczenlenmi\u015ftir. Kira akdinin mevzuu 4 \u015fey olabilir:<\/p>\n

         \n
         1. Gayri menkul<\/li>\n
         2. Menkul<\/li>\n
         3. Hayvan<\/li>\n
         4. \u0130nsan eme\u011fi.<\/li>\n<\/ol>\n

            Mecellenin 413. Maddesinde \u015f\u00f6yle denir:<\/p>\n

            \u201cEcir(i\u015f\u00e7i) nefsini kiraya veren kimsedir. \u201d\u0130\u015fverene kirac\u0131(M\u00fcstecir) i\u015f\u00e7iye ise m\u00fccir(ecir)-kiraya veren- anlam\u0131na gelir.<\/p>\n

            \n
            1. \u0130\u015f\u00e7i Haklar\u0131(\u0130\u015fverenin bor\u00e7lar\u0131)<\/strong><\/li>\n<\/ol>\n

                <\/p>\n

               \n
               1. \u00dccretin geciktirilmeden verilmesi laz\u0131md\u0131r. Peygamberimiz(sas) \u201c\u0130\u015f\u00e7iye \u00fccretini kurumadan veriniz\u201d ve \u201cBen k\u0131yamette \u00fc\u00e7 ki\u015finin hasm\u0131y\u0131m. Bana s\u00f6z verip sonra s\u00f6z\u00fcnden d\u00f6nen kimse, h\u00fcr birisini sat\u0131p paras\u0131n\u0131 yiyen ve i\u015f\u00e7iyi \u00e7al\u0131\u015ft\u0131r\u0131p \u00fccretini vermeyen kimse\u201d buyurmu\u015flard\u0131r.<\/li>\n
               2. \u0130\u015fyerinin sa\u011fl\u0131k \u015fartlar\u0131na uygun olmas\u0131.<\/li>\n
               3. Dinlenme ve izin hakk\u0131.<\/li>\n
               4. \u0130\u015f kazas\u0131 ve meslek hastal\u0131\u011f\u0131 sebebiyle tazminat hakk\u0131.<\/li>\n<\/ol>\n

                   <\/p>\n

                  \n
                  1. \u0130\u015f\u00e7inin bor\u00e7lar\u0131 (i\u015fverenin hakk\u0131)<\/strong><\/li>\n<\/ol>\n

                      <\/p>\n

                     \n
                     1. \u0130\u015fe bizzat devam etmek.(\u00d6zel i\u015f\u00e7i vekil b\u0131rakamaz, genel i\u015f\u00e7i b\u0131rakabilir ama yine de kendisi sorumludur)<\/li>\n
                     2. Belirli bir m\u00fcddet fiilen \u00e7al\u0131\u015fmak.<\/li>\n
                     3. Akit \u015fartlar\u0131na uygun olarak i\u015fverenin emir ve talimatlar\u0131nauymak.<\/li>\n
                     4. \u0130\u015fverene ait e\u015fyalar\u0131 korumak.<\/li>\n
                     5. \u0130\u015fi iyi yapmak buna \u201citkanu\u2019l amel\u201d denir.<\/li>\n<\/ol>\n

                        \u0130slam dini insanlar\u0131 daima \u00e7al\u0131\u015fmaya te\u015fvik etmi\u015ftir. \u201d\u0130nsan ancak ,\u00e7al\u0131\u015ft\u0131\u011f\u0131na eri\u015fir\u201d(Necm 39),\u201d<\/strong> Hi\u00e7\u00a0 kimse eme\u011fiyle kazand\u0131\u011f\u0131ndan daha hay\u0131rl\u0131 bir lokma yememi\u015ftir. \u201dgibi ayet ve hadisler \u00e7al\u0131\u015fmay\u0131\u00a0 hep te\u015fvik etmi\u015flerdir. Ayr\u0131ca \u0130slamiyette \u201cEmek\u201d de\u201dSermayede\u201d \u00f6nemlidir.<\/p>\n

                        Sendikalar i\u015f\u00e7ilerin hukukunu i\u015fverenin k\u00f6t\u00fc davran\u0131\u015f\u0131na kar\u015f\u0131 savunan kurumlard\u0131r. Bu bak\u0131mdan \u0130slami a\u00e7\u0131dan bir sak\u0131nca yoktur. Ama grev hakk\u0131n\u0131n olmad\u0131\u011f\u0131 savunulur. Gerek\u00e7eleri:<\/p>\n

                        \n
                        1. S\u00f6zle\u015fmeye g\u00f6re i\u015f\u00e7i, i\u015fveren hesab\u0131na \u00e7al\u0131\u015fmak durumundad\u0131r. Grev ise bunun ihlalidir.<\/li>\n
                        2. Grev i\u015fvereni zorlamaktad\u0131r. Halbuki kar\u015f\u0131l\u0131kl\u0131 r\u0131za ile akit olur. \u0130slam hukukunda<\/li>\n
                        3. Grev zaman\u0131 i\u00e7inde i\u015f\u00e7iler para isterler. Halbuki i\u015f\u00e7i \u00e7al\u0131\u015farak para alabilir.<\/li>\n
                        4. \u0130\u015fverenin zarar\u0131 s\u00f6z konusudur. Sendikalar hak olarak kabul edilir ama grev hak de\u011fildir. E\u011fer bir anla\u015fmazl\u0131k olursa mahkemeler bunu halledebilir.<\/li>\n<\/ol>\n

                           \u0130\u015fsizlik sosyal ve iktisadi bir hastal\u0131kt\u0131r. Ayr\u0131ca \u0130slam dini daima \u00e7al\u0131\u015fmay\u0131 te\u015fvik etmi\u015ftir. \u0130\u015fsizlik iki t\u00fcrl\u00fcd\u00fcr. 1) Cebri 2) \u0130htiyari ve keyfi. Cebri i\u015fsizlik konusunda devlet yard\u0131mc\u0131 olmal\u0131d\u0131r. Keyfi i\u015fsizlik mevzuunda ise devlet bu ki\u015filerle u\u011fra\u015fmal\u0131d\u0131r. \u0130\u015f olu\u015fturma mevzuunda yap\u0131lacak olanlar ise g\u00fcn\u00fcm\u00fcz ekonomilerinde uygulanan sistemlerin tatbiki ile olur.<\/p>\n

                           D\u00d6RD\u00dcNC\u00dc B\u00d6L\u00dcM (\u0130slam ekonomisinde \u015firketler)<\/strong><\/p>\n

                           Hanefi mezhebi di\u011ferlerine nazaran \u015firket mefhumunun \u00fczerinde daha \u00e7ok durmu\u015ftur. \u00dc\u00e7 \u00e7e\u015fittir:<\/p>\n

                           1.\u015eirket-I \u0130bahe<\/p>\n

                           2.\u015eirket-i M\u00fclk.<\/p>\n

                           3.\u015eirket-I Akd.<\/p>\n

                           \n
                           1. \u015e\u0130RKET-\u0130 \u0130BAHE:<\/strong> Bu Hz. Peygamberin (s.a.s) \u201cM\u00fcsl\u00fcmanlar \u00fc\u00e7 \u015feyde ortakt\u0131rlar (\u015f\u00fcraka) su, bitki ve ate\u015f.\u201d<\/li>\n
                           2. \u015e\u0130RKET-\u0130 M\u00dcLK:<\/strong> \u0130ki ya da daha fazla \u015fahs\u0131n bir \u015feyi herhangi bir sebeple temell\u00fck etmeleridir.<\/li>\n
                           3. AK\u0130T \u015e\u0130RKETLER\u0130:<\/strong> \u015eirket mefhumundan daha \u00e7ok anla\u015f\u0131lan akit \u015firketleridir. Di\u011fer iki tip \u015firkette ortaklar aras\u0131 akit yoktur.<\/li>\n<\/ol>\n
                              \n
                              • Mufavaza \u015eirketleri:<\/strong> Ortaklar\u0131n koyduklar\u0131 sermaye e\u015fittir ve mesuliyetleri de e\u015fittir.<\/li>\n
                              • \u0130nan \u015eirketleri: <\/strong>Ortaklar\u0131n sermayeleri farkl\u0131d\u0131r, ve mesuliyetleri sermayeleri nispetindedir.<\/li>\n<\/ul>\n

                                Sermaye cinsi bak\u0131m\u0131ndan:<\/strong><\/p>\n

                                \n
                                • Emval \u015eirketleri:<\/strong> Bu tip \u015firkette sermaye para cinsindendir.<\/li>\n
                                • Amal \u015eirketleri:<\/strong> Bu tip \u015firkette sermaye ortaklar\u0131n \u00e7al\u0131\u015fmalar\u0131d\u0131r.<\/li>\n
                                • V\u00fccuh \u015firketleri: <\/strong>Ortaklar sermaye olarak itibarlar\u0131n\u0131 koyarlar.<\/li>\n<\/ul>\n

                                  \u015eafi mezhebine g\u00f6re sadece inan \u015firketi caiz di\u011ferleri bat\u0131ld\u0131r.<\/strong><\/p>\n

                                  \u00a0\u00a0\u00a0\u00a0\u00a0 \u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u0130slam ekonomisinde \u00fc\u00e7 \u00f6zel \u015firket tipi:<\/strong><\/p>\n

                                  \n
                                  1. M\u00fcdarebe:K\u0131saca emek-sermaye \u015firketidir.<\/li>\n
                                  2. M\u00fczaraa:Bu \u015firkette ,ortaklardan biri toprak di\u011fer tarafta \u00e7al\u0131\u015fmas\u0131n\u0131 sermaya olarak ortaya koyar.\u00c7ok de\u011fi\u015fik tipleri vard\u0131r,\u0130nek ve \u00e7al\u0131\u015fma vb. \u015fartlar\u0131:<\/li>\n<\/ol>\n

                                     Topra\u011f\u0131n ziraata elveri\u015fli olmas\u0131 ve emek sahibine teslimi, ziraat\u0131n cinsi belirtilmeli, has\u0131lattan hisselerin belirtilmesi ve m\u00fcddet belirtilmelidir.<\/p>\n

                                     \n
                                     1. M\u00fcsakaat: <\/strong>Bir taraf\u0131n a\u011fa\u00e7 verdi\u011fi di\u011fer taraf\u0131nda a\u011fa\u00e7lar\u0131n terbiyesini \u00fcstlendi\u011fi ortakl\u0131kt\u0131r. \u015eartlar\u0131 ise hissenin belirtilmesi ve a\u011fa\u00e7lar\u0131n i\u015f\u00e7iye teslimidir. M\u00fcsakaat\u2019da taraflardan biri akde uymaz ise icbar edilir. M\u00fczaraa da tohum sahibi tohumlar ekilmeden vazge\u00e7erse icbar edilemez. M\u00fczaraa da m\u00fcddet \u015fartt\u0131r. M\u00fcsakaatta ise de\u011fildir. \u00d6zellikle m\u00fcsl\u00fcmanlar\u0131n \u015firket mevzuunda hassas olmalar\u0131 gerekiyor. Ticarete ihanetin olmamas\u0131 ,g\u00fcvenin olmas\u0131, \u00e7evrelerine iyi \u00f6rnek olmalar\u0131, ticarette zarar\u0131n ve kar\u0131n olabilece\u011fi d\u00fc\u015f\u00fcn\u00fclmeli, uzun s\u00fcreli ve soylu m\u00fcesselerin kurulas\u0131, \u015firketin devaml\u0131 kar da\u011f\u0131tmas\u0131 ve istikrarl\u0131 olmas\u0131 ak\u0131lda bulundurulmal\u0131d\u0131r.<\/li>\n<\/ol>\n

                                        BE\u015e\u0130NC\u0130 B\u00d6L\u00dcM (Hisbe)<\/strong><\/p>\n

                                        Hisbenin\u00a0 ana fikri\u00a0 iyilikleri emretme k\u00f6t\u00fcl\u00fckleri nehyetme hadisine dayan\u0131r. Bundan sonrada baz\u0131 ayetlere dayan\u0131r. \u0130slam devletlerinde bu bir kurum olarak uygulanm\u0131\u015ft\u0131r. Hisbe ,amme hizmetlerinin kontrol\u00fc ve yeni amme hizmetleri ihsas etme yetkisidir. Hisbe kurumunun eleman\u0131na m\u00fcntasib denir. Vazifeleri ,ibadetleri murakabe ,ad\u00e2b ve ahlak kontrol ,sa\u011fl\u0131k hizmetlerinin kontrol ve tanzimi, cami imamlar\u0131n\u0131 kontrol, hakimlere nasihat, ticari i\u015flerde kontrol ,ihtikara mani olma ,\u00e7ar\u015f\u0131 pazar tanzimi ve kontrol\u00fc. Muhtesib tart\u0131 ve \u00f6l\u00e7\u00fcleri kontrol eder ,gerekli \u015fartlar mevcut ise naih(fiyat) koyar,bu kurallara uymayanlar\u0131 tedib edebilir.<\/p>\n

                                        Bug\u00fcnk\u00fc manas\u0131na amme hizmeti denebilir. Burada isim \u00f6nemli de\u011fildir. Burada manan\u0131n ya\u015fat\u0131lmas\u0131 \u00f6nemlidir.<\/p>\n

                                        ALTINCI B\u00d6L\u00dcM (\u0130slam Ortak Pazar\u0131)<\/strong><\/p>\n

                                        \u0130slam ortak pazar\u0131 bir idealdir. \u0130slam Kalk\u0131nma Bankas\u0131 bu ortak pazar\u0131nda etkindir. Ayr\u0131ca bu pazarda kabul edilen ortak para birimi \u201c\u0130slam Dinar\u0131\u201dd\u0131r ve 1.2 Amerikan dolar\u0131na tekab\u00fcl eder. Ayr\u0131ca ticaret sadece para ile olmad\u0131\u011f\u0131 i\u00e7in takas odalar\u0131 da mevcuttur.<\/p>\n

                                        \u0130slam ortak pazar\u0131n\u0131n baz\u0131 handikaplar\u0131 vard\u0131r. Mesela bu \u00fclkelerdeki siyasi istikrars\u0131zl\u0131klar, \u00fclkeler aras\u0131nda bulunan derin gelir d\u00fczeylerindeki farklar, teknolojide ileri olmamalar\u0131 ve bat\u0131l\u0131lar\u0131n mallar\u0131n\u0131n daha ucuz olmas\u0131 ve en \u00f6nemlisi ise vefa ve sadakat eksikli\u011fidir.<\/p>\n

                                        YED\u0130NC\u0130 B\u00d6L\u00dcM (\u0130slam Hukukunda Emanet Sat\u0131\u015flar\u0131)<\/strong><\/p>\n

                                        \u0130slam hukukuna g\u00f6re sat\u0131\u015f akdinde de\u011ferin tespiti(semen) iki yol ile olur.<\/p>\n

                                        \n
                                        1. Al\u0131c\u0131 -sat\u0131c\u0131 pazarl\u0131k usul\u00fc ile semeni (de\u011fer,fiat) tespit eder. G\u00fcnl\u00fck hayat\u0131m\u0131zda \u00e7ok\u00e7a rastlar\u0131z.<\/li>\n
                                        2. Sat\u0131c\u0131 elindeki mal\u0131n sermayesini s\u00f6yler ve satmak istedi\u011fi kar oran\u0131n\u0131 s\u00f6yler ve semen tespit edilir. Buna \u201cemanet sat\u0131\u015flar\u0131 \u201c<\/strong> Ba\u015fka iki yol daha vard\u0131r.<\/li>\n
                                        3. \u201dTevliye sat\u0131\u015f\u0131\u201d yani maliyetine<\/li>\n
                                        4. \u201dVezia sat\u0131\u015flar\u0131\u201d yani zarar\u0131na sat\u0131\u015flard\u0131r. Kar\u0131na sat\u0131\u015fa ise \u201cmurabaha\u201d denir. \u0130slam bankac\u0131l\u0131\u011f\u0131nda \u00f6nemli bir mevhumdur. Murabahan\u0131n tatbikat\u0131ndaki \u015fekilleri:<\/li>\n<\/ol>\n

                                            <\/p>\n

                                           \n
                                           1. Al\u0131c\u0131 \u0130slam Bankas\u0131n\u0131n elinde bulunan bir mal\u0131 almak ister. Pe\u015fin veya taksitle \u00f6der.<\/li>\n
                                           2. Al\u0131c\u0131 \u0130slam Bankas\u0131na ba\u015fvurarak almak istedi\u011fi mal\u0131n vas\u0131flar\u0131n\u0131 belirtir. \u0130slam Bankas\u0131 o mal\u0131 ald\u0131ktan sonra \u00f6nceden belirlenen fiyat \u00fczerinden satar. Burada ki \u00fc\u00e7 nokta: \u0130lk \u00f6nce al\u0131c\u0131-banka aras\u0131nda ge\u00e7en alma-satma vaadidir. M\u00fccerret bir vaaddir. M\u00fccerred bir vaad ne bankay\u0131 ne de al\u0131c\u0131y\u0131 ba\u011flar. \u0130slam hukukuna g\u00f6re vaad dinin ba\u011flay\u0131c\u0131d\u0131r hukuken de\u011fil. \u0130mam-\u0131 Malik\u2019e g\u00f6re ise hukuken de ba\u011flay\u0131c\u0131d\u0131r.<\/li>\n<\/ol>\n
                                              \n
                                              • Al\u0131c\u0131n\u0131n belirtti\u011fi mal\u0131 \u0130slam bankas\u0131n\u0131n vekili teslim ald\u0131ktan sonra al\u0131m-sat\u0131makdi imzalan\u0131r.<\/li>\n<\/ul>\n

                                                SEK\u0130Z\u0130NC\u0130 B\u00d6L\u00dcM (D\u0131\u015f Bor\u00e7lar)<\/strong><\/p>\n

                                                D\u0131\u015f bor\u00e7lar \u00fclkelerin\u00a0 ba\u015fka \u00fclke yada kurumlardan belirli bir yerde kullanmak amac\u0131 ile ald\u0131klar\u0131 paralara denir. Daha \u00e7ok az geli\u015fmi\u015f \u00fclkeler bu yola ba\u015fvurmaktad\u0131r. Ayr\u0131ca al\u0131nan krediler rantable olarak kullan\u0131lm\u0131yor daha \u00e7ok keyfi ve l\u00fcks harcamalara gidiyor. G\u00fcn\u00fcm\u00fczde bir \u00e7ok az geli\u015fmi\u015f \u00fclke d\u0131\u015f bor\u00e7lar yoluyla iktisatden ve dolay\u0131s\u0131yla siyaseten geli\u015fmi\u015f \u00fclkelere ba\u011f\u0131ml\u0131 hale gelmi\u015flerdir. Bu t\u00fcr krediler faizli oldu\u011fu i\u00e7in \u00f6denmesi gecikince faizleri ana paray\u0131 a\u015f\u0131yor ve bir yarar getirmiyor. Fakat \u201czaruretler haram\u0131 m\u00fcbah k\u0131lar \u201cd\u00fcsturunca faizli krediler \u00e7ok gerekli ise al\u0131n\u0131p yerinde kullan\u0131larak en k\u0131sa zamanda \u00f6denmelidir.<\/p>\n

                                                 <\/p>\n","protected":false},"excerpt":{"rendered":"

                                                B\u0130R\u0130NC\u0130 B\u00d6L\u00dcM\u00a0\u00a0 (Genel Olarak \u0130slam Ekonomisi) \u0130slam dini d\u00fcnyaya ait fiiller i\u00e7inde ibadetler ve ahlak kaideleri yan\u0131nda \u201cmuamelat\u201d tabir edilen muamele ve fiilleri de kapsar. Muamelat tabiri ise \u0130slam dini terminolojisinde \u201c\u0130slam Hukuku\u201d veya \u201c\u0130slam F\u0131kh\u0131\u201d \u015feklinde a\u00e7\u0131klanabilir. \u0130slam ekonomisi de \u0130slam Hukukunun\u00a0 ekonomi ile ilgili olanlar\u0131n\u0131 kapsar. \u0130slam ekonomisi olarak ele almak asr\u0131m\u0131z\u0131n \u015fartlar\u0131na …<\/p>\n","protected":false},"author":1,"featured_media":2491,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,540],"tags":[633,626,628,469,632,629,634,573,627,631,635,625,630],"_links":{"self":[{"href":"http:\/\/www.kocar.org\/wp-json\/wp\/v2\/posts\/2490"}],"collection":[{"href":"http:\/\/www.kocar.org\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.kocar.org\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.kocar.org\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.kocar.org\/wp-json\/wp\/v2\/comments?post=2490"}],"version-history":[{"count":1,"href":"http:\/\/www.kocar.org\/wp-json\/wp\/v2\/posts\/2490\/revisions"}],"predecessor-version":[{"id":2492,"href":"http:\/\/www.kocar.org\/wp-json\/wp\/v2\/posts\/2490\/revisions\/2492"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.kocar.org\/wp-json\/wp\/v2\/media\/2491"}],"wp:attachment":[{"href":"http:\/\/www.kocar.org\/wp-json\/wp\/v2\/media?parent=2490"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.kocar.org\/wp-json\/wp\/v2\/categories?post=2490"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.kocar.org\/wp-json\/wp\/v2\/tags?post=2490"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}