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İnsani Finans ve Değerler
[Humanitarian Finance and Values]

Author

Listed:
  • Korkut, Cem
  • Kar, Muhsin

Abstract

Finans sektörü veyahut finansal sistem denildiğinde çoğu insanın aklına bankalar gelmektedir. İnsanların birikimlerini değerlendirmek için kullandıkları bankalar, bu birikimleri ihtiyacı olanlara belirli bir faiz yahut kâr payı ile tahsis edip bir nevi fon akışı sağlamaktadır. Bu sistemde sadece bankalar yoktur. Finansal Kiralama Şirketleri, faktoring ve finansman şirketleri de finansal sistem içerisinde yer alan diğer kurumlardır. Fakat tüm bu kurumların temel işlevleri aynı temel prensip ile çalışmaktadır. Bu temel ilke, fazla birikimleri toplamak, toplanan birikimleri ihtiyacı olanlara kullandırmak, fazla birikimleri olanlara ödenen faiz veya kâr payı ile bu birikimleri kullananlardan alınan faiz veya kâr payı arasındaki farktan kâr elde etmeye dayanmaktadır. Her ne kadar bankacılık finansal sistemin temelini oluşturuyor olsa da bankacılık dışı finansal sektör de tüm dünyada hızlı bir şekilde gelişmektedir. Görevi sadece toplanan fonları değerlendirmek ve ihtiyacı olanlara borç olarak çeşitli yol ve yöntemler ile vermek olan finansal sistem sadece finans boyutu ile sınırlı kalmamaktadır. Dünyada finansal sektörün boyutu ve etkisi yüksek oranlara ulaşmıştır. Özellikle sermaye hareketleri finansal sisteme entegre olmuş gelişmekte olan ülkeleri fazlasıyla etkilemekte ve ekonomik olarak büyümeyi teşvik edici yönleri olduğu gibi dışa açıklık dış finansal operasyonlara da açıklığı beraberinde getirmektedir. Ülke içerisindeki enflasyon seviyesi, faiz oranı ve döviz kuru, küresel finansal sistemdeki değişikliklere, sermaye hareketlerine veyahut ülkeye yapılan finansal operasyonlara bağlıdır. Dolayısı ile dünyada finansal sistemi yani sermayeyi elinde tutanların gücü sadece iktisadi anlamda değil aynı zamanda siyasal anlamda da yüksektir. Özellikle ülke içerisindeki siyasi seçimler iktisadi hayatla yakından ilişkiliyken sermaye sahiplerinin ekonomik hayata rahatlıkla müdahale edecek bir güce ulaşmaları ahlaki sorunlar kadar egemenlik sorunlarını ortaya çıkarmıştır. Niceliksel büyümeler beraberinde niteliksel düzenlemeleri ve kontrolü getirmediği için dünyada yaşanan 2008 Küresel Finans Krizi ve 2001 yılında Türkiye’de yaşadığımız finansal kriz gibi kontrolün tamamen piyasaya bırakılmasının yol açtığı sadece finansal sektörle sınırlı kalmayarak tüm sektörleri içerisine alan iktisadi ve sosyal hayata da olumsuz etkilerini gördüğümüz krizler ile karşılaşmak kaçınılmaz olmuştur.

Suggested Citation

  • Korkut, Cem & Kar, Muhsin, 2018. "İnsani Finans ve Değerler [Humanitarian Finance and Values]," MPRA Paper 88945, University Library of Munich, Germany, revised 01 Feb 2018.
    • Handle: RePEc:pra:mprapa:88945
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    References listed on IDEAS

    as
    1. Mehmet Asutay, 2007. "Conceptualisation Of The Second Best Solution In Overcoming The Social Failure Of Islamic Banking And Finance: Examining The Overpowering Of Homoislamicus By Homoeconomicus," IIUM Journal of Economics and Management, IIUM Journal of Economis and Management, vol. 15(2), pages 167-176, December.
    2. Bulut, Mehmet & Korkut, Cem, 2016. "Finansal İstikrar ve Para Vakıfları Etkisi: Rumeli Para Vakıfları Örnekleri [Financial Stability and Cash Waqfs: Samples of Rumelia Cash Waqfs]," MPRA Paper 73902, University Library of Munich, Germany.
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    More about this item

    Keywords

    İnsani Finans İslami Finans İslami Bankacılık İslam İktisadı İslam Ekonomisi Değerler Humanitarian Finance Islamic Finance Islamic Banking Islamic Economics Values;

    JEL classification:

    • G29 - Financial Economics - - Financial Institutions and Services - - - Other
    • P4 - Political Economy and Comparative Economic Systems - - Other Economic Systems
    • P5 - Political Economy and Comparative Economic Systems - - Comparative Economic Systems
    • Z12 - Other Special Topics - - Cultural Economics - - - Religion

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