Özet:

Economic activity, which forms one of the most important resources of life by shaping human conditions of life in history, is agricultural production. One of the most important issues in ensuring the continuity of this production process is the diversification of the financing sources of agricultural production. In the diversification of these resources, the participating banks can play an effective role in the production, processing, sales and financial processes from the producer to the end consumer. In this context, one of the interest-free financial instruments that can be used in the financing of agricultural production is the salem method. Salem is a contract based on the sale of goods in a certain quality and quantity at a previous price to be delivered on a given date. It is often used as an important financing technique in global practices to address the short-term cash needs of farmers and small merchants in agricultural production. Selem is not used because of some risk factors it carries in Turkey. This method can be a suitable tool for cities that have problems with financing in agricultural production, who do not want to suffer the material and spiritual costs of the interest. In this study, the method of salem financing was studied and the risks of this method were analyzed in terms of participating banks. The storage and sale of these products are important risk factors for the participating bank, which is the buyer of agricultural products in this method. Due to the current position of banks in the financial markets, these risks must be minimized in various ways to ensure that these risk elements do not reflect as a cost to the banks. The Selem contract has a model proposal for the use of the Licensed Depository System and Product Special Exchange/Commercial Exchange for the storage and sale of agricultural products after the transfer to bank ownership.

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