Özet:

Interest is the most important cost that the capitalist economic system brings to society. Interest, which is an important instrument in economic imbalance, generally works on debts. One of the most important elements in the economy grows. Growth which is accepted as one of the most basic elements of an economy depends on the increase in production, and the increase in production also depends on investments. Investments are provided through savings. The use of these savings in the capitalist system is at an interest rate, but the fact that the investment is not efficient does not significantly affect the savings providers. When savings are used on inefficient investments, they will be charged even if they do not produce the desired output. In other words, the promised interest without regard to production is taken as the owner of the savings. This leads to distortions in the economy, especially in the case of income injustice. A system where there is no interest in the economy has been discussed since the past. Even J.M.Keynes, known as Keynesian economic pioneer, points out that the point where interest is zero is an ideal economy, while those who internalize the capitalist economic system think that interest cannot be independent of the economy. The most important studies emphasizing that interest interest-free economy can be seen in the field of Islamic economics. However, in terms of being an alternative to the capitalist system nowadays, an accepted interest-free system applied worldwide has not become widespread. Even Malaysia, Indonesia, and some Arab countries whose domestic economic policies have partially lost interest on a local basis, have not been able to create a fully interest-free system because of their integration into the capitalist system in the global context. The Fair Economic Order discourse, which emerged in the context of the solution proposal for the economic system of the Refah Party, which is representative of the Islamic View tradition in Turkey in the 1980s, was predicated on an interest-free system. This discourse, which was popular in the 1990s, has received a response to the society and has gained a serious political success. The Fair Economic Order has shown interest as the main reason for basic problems such as income distribution inequality, unemployment, inflation, consumption economy. So he claimed that these problems could be solved in a fairer way in an economic system where there is no interest. He attempted to make a living in a very short period of power, but he did not stay in power for a long time. The Fair Economic Order generally focuses on the role of state, money, taxation system, principles of credit and partnership, production and export, inflation, unemployment and social security. As will be discussed in this study, the principles of lending and the applicability of the fair economic order in the context of making interest-free resources will be discussed. In the Fair Economic Order there are 7 types of interest-free loans and they do not cause inflation. These are listed as partnerships, Mortgage Corresponding Loans, Labor Loans, Pledge Loans, Paid Tax Loans, Investment Project Loans, Order Stock Loans.

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