\u0130stanbul T\u00fcccarlar Kul\u00fcb\u00fc Derne\u011fi Ba\u015fkan\u0131 \u0130lker \u00d6nel,\u00a0reel sekt\u00f6r firmalar\u0131n\u0131n en b\u00fcy\u00fck probleminin finansmana eri\u015fim olmaya devam etti\u011fini belirterek\u00a0T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131\u2019n\u0131n (TCMB) politika faizinde yapt\u0131\u011f\u0131 indirimlere ra\u011fmen, ticari kredi faizlerinin h\u00e2l\u00e2 d\u00fc\u015fmedi\u011fine dikkat \u00e7ekti. Aral\u0131k 2024\u2019te y\u00fczde 50 olan politika faizinin, 6 kez yap\u0131lan faiz indiriminden sonra Ekim 2025\u2019e 39,50\u2019ye kadar geriledi\u011fini hat\u0131rlatan \u00d6nel, \u201c\u00d6zellikle 11 Eyl\u00fcl ve 23 Ekim\u2019de yap\u0131lan iki faiz indiriminden sonra reel sekt\u00f6r\u00fcn finansman maliyetlerinde a\u015fa\u011f\u0131 y\u00f6nl\u00fc bir ivme bekliyorduk ama olmad\u0131.\u00a0Bug\u00fcn h\u00e2l\u00e2 ticari kredi maliyetlerinin 46-47 band\u0131nda, baz\u0131 yerlerde 50 band\u0131nda oldu\u011funu g\u00f6r\u00fcyoruz\u201d dedi.<\/p>\n
Hazine ve Maliye Bakan\u0131 Mehmet \u015eim\u015fek\u2019in politika faizindeki indirimlerin POS oranlar\u0131na da yans\u0131yaca\u011f\u0131 y\u00f6n\u00fcndeki a\u00e7\u0131klamas\u0131n\u0131 hat\u0131rlatan \u0130lker \u00d6nel, \u201cB\u00f6yle bir indirim g\u00f6rmedi\u011fimiz gibi son faiz indiriminden sonra POS komisyonlar\u0131n\u0131n y\u00fczde 1-2 artt\u0131\u011f\u0131n\u0131 ve \u015fu anda farkl\u0131 kredi kartlar\u0131nda y\u00fczde 3,75\u2019ler civar\u0131nda seyretti\u011fini g\u00f6r\u00fcyoruz. Bankalar\u0131n kaynak kullan\u0131m maliyeti y\u00fczde 1,82\u2019lere gerilemi\u015fken, TCMB\u2019den bor\u00e7lanma oranlar\u0131 d\u00fc\u015ferken bizim ticari kredi maliyetlerimiz, POS komisyonlar\u0131m\u0131z neden d\u00fc\u015fm\u00fcyor?\u201d diye konu\u015ftu. Bir\u00e7ok bankan\u0131n y\u0131l\u0131n \u00fc\u00e7\u00fcnc\u00fc \u00e7eyre\u011finde rekor k\u00e2rlar a\u00e7\u0131klad\u0131\u011f\u0131na dikkat \u00e7eken \u00d6nel, \u015funlar\u0131 s\u00f6yledi:<\/p>\n
\u201cFedak\u00e2rl\u0131k tek tarafl\u0131 olmamal\u0131\u201d<\/p>\n
\u201cReel sekt\u00f6r b\u0131rak\u0131n y\u00fcksek k\u00e2r oranlar\u0131 elde etmeyi, \u00fcretim ve ticari faaliyetlerini ger\u00e7ekle\u015ftirmekte bile zorlan\u0131yor. Reel sekt\u00f6r\u00fcn 2,5 y\u0131ld\u0131r s\u00fcren enflasyonla m\u00fccadele program\u0131nda zaten b\u00fcy\u00fck bir fedak\u00e2rl\u0131kla m\u00fccadele etti\u011fini biliyoruz. Bundan sonraki s\u00fcre\u00e7te bu zorluklar\u0131n bir nebze de olsa giderilmesi, reel sekt\u00f6re uygun maliyetlerle finansman imkan\u0131 sunulmas\u0131 gerekiyor. Yoksa hemen hemen t\u00fcm sekt\u00f6rlerde ciddi oranda i\u015fletme kaybetme riskiyle kar\u015f\u0131 kar\u015f\u0131yay\u0131z. Bankalar bizim i\u015f orta\u011f\u0131m\u0131z ama bu kadar zor bir zamanda taraflardan sadece biri zorlan\u0131yor, di\u011fer taraflar faaliyetlerine normal bir \u015fekilde devam ediyorsa, zorlanan taraf olarak bu \u00e7eli\u015fkiyi dile getirmemiz gerekiyor. Fedak\u00e2rl\u0131k tek tarafl\u0131 olmamal\u0131.\u201d<\/p>\n
K\u00fc\u00e7\u00fck ve mikro i\u015fletmelere \u201cNefes\u201d gerek<\/p>\n
T\u00fcrkiye Odalar ve Borsalar Birli\u011fi\u2019nin (TOBB) \u00fc\u00e7\u00fcnc\u00fc Nefes Kredisi paketi hakk\u0131ndaki \u00e7al\u0131\u015fmalara da de\u011finen \u0130lker \u00d6nel, \u201cTOBB Ba\u015fkan\u0131 Say\u0131n Rifat Hisarc\u0131kl\u0131o\u011flu\u2019nun da belirtti\u011fi gibi, ilk Nefes Kredi paketi iki g\u00fcnde t\u00fckendi. \u0130kinci paketi biz hi\u00e7 g\u00f6rmedik. Mutlaka yararlanan i\u015fletmeler vard\u0131r ama tabana yay\u0131ld\u0131\u011f\u0131n\u0131 s\u00f6yleyemeyiz. \u0130lk iki pakette orta ve b\u00fcy\u00fck \u00f6l\u00e7ekli firmalar\u0131n bile Nefes Kredisi kulland\u0131\u011f\u0131n\u0131 g\u00f6r\u00fcyoruz ama mikro ve k\u00fc\u00e7\u00fck \u00f6l\u00e7ekli i\u015fletmelerin bu finansmana daha fazla ihtiyac\u0131 oldu\u011fu ortada. O y\u00fczden \u00fc\u00e7\u00fcnc\u00fc paketin en az 50 milyar TL b\u00fcy\u00fckl\u00fc\u011f\u00fcnde, k\u00fc\u00e7\u00fck ve mikro i\u015fletmelere daha fazla pay\u0131n ayr\u0131ld\u0131\u011f\u0131 bir paket olmas\u0131 gerekti\u011fini d\u00fc\u015f\u00fcn\u00fcyoruz\u201d a\u00e7\u0131klamas\u0131nda bulundu.\u00a0<\/p>\n
\u201c2026 kolay bir y\u0131l olmayacak\u201d<\/p>\n
Reel sekt\u00f6r firmalar\u0131n\u0131n ayr\u0131ca y\u00fcksek enflasyon, TL\u2019deki de\u011fer kayb\u0131, talepteki azalma gibi pek \u00e7ok sorunla m\u00fccadele etti\u011fini kaydeden \u0130lker \u00d6nel, \u015f\u00f6yle devam etti:\u00a0<\/p>\n
\u201cEnflasyonla m\u00fccadele program\u0131n\u0131n do\u011fal bir sonucu olarak talep taraf\u0131ndan ciddi bir s\u0131k\u0131nt\u0131 ya\u015fan\u0131yor.\u00a0Ciddi anlamda bir durgunlukla kar\u015f\u0131 kar\u015f\u0131yay\u0131z. Girdi maliyetlerindeki art\u0131\u015fla birlikte TL\u2019deki de\u011fer kayb\u0131, \u00f6zellikle ara mal\u0131 kullanan \u00fcreticileri \u00e7ok zorluyor. \u00d6n\u00fcm\u00fczdeki d\u00f6nemde t\u00fcm bunlara bir de asgari \u00fccret art\u0131\u015f\u0131 eklenecek ki rakam ne olursa olsun her iki taraf\u0131n da mutlu olmayaca\u011f\u0131 bir sonu\u00e7la kar\u015f\u0131la\u015faca\u011f\u0131m\u0131z kesin. \u00c7\u00fcnk\u00fc hem hane halk\u0131n\u0131n al\u0131m g\u00fcc\u00fc \u00e7ok d\u00fc\u015ft\u00fc, hem de reel sekt\u00f6r\u00fcn \u00f6z kaynaklar\u0131 t\u00fckenme noktas\u0131na geldi. Dolay\u0131s\u0131yla 2026\u2019n\u0131n da reel sekt\u00f6r i\u00e7in kolay bir y\u0131l olmayaca\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyorum.\u201d<\/p>\n
\u00a0<\/p>\n
Kaynak: (BYZHA) Beyaz Haber Ajans\u0131<\/p>\n","protected":false},"excerpt":{"rendered":"
\u0130stanbul T\u00fcccarlar Kul\u00fcb\u00fc Derne\u011fi Ba\u015fkan\u0131 \u0130lker \u00d6nel,\u00a0reel sekt\u00f6r firmalar\u0131n\u0131n en b\u00fcy\u00fck probleminin finansmana eri\u015fim olmaya devam etti\u011fini belirterek\u00a0T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131\u2019n\u0131n (TCMB) politika faizinde yapt\u0131\u011f\u0131 indirimlere ra\u011fmen, ticari kredi faizlerinin h\u00e2l\u00e2 d\u00fc\u015fmedi\u011fine dikkat \u00e7ekti<\/p>\n","protected":false},"author":1,"featured_media":5884,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[3119,3118,377,1816,1106],"class_list":["post-5883","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-ettigini","tag-ilker","tag-mucadele","tag-sektor","tag-ticari"],"_links":{"self":[{"href":"https:\/\/vansondakikahaberler.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/5883","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vansondakikahaberler.com.tr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vansondakikahaberler.com.tr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vansondakikahaberler.com.tr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/vansondakikahaberler.com.tr\/index.php\/wp-json\/wp\/v2\/comments?post=5883"}],"version-history":[{"count":0,"href":"https:\/\/vansondakikahaberler.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/5883\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vansondakikahaberler.com.tr\/index.php\/wp-json\/wp\/v2\/media\/5884"}],"wp:attachment":[{"href":"https:\/\/vansondakikahaberler.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=5883"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vansondakikahaberler.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=5883"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vansondakikahaberler.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=5883"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}