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Para vakıfları, Osmanlı Devletinde yüzyıllar boyunca ihtiyacı olan kişilere ve esnaflara, belirli bir borçlanma oranıyla kredi vererek Osmanlı ekonomisinin istikrarına katkıda bulunmuştur. Bankaların yaygınlaşmasıyla son bulan para vakıfları Osmanlı Devleti ile özdeşleşen kurumlardan biridir. Bu araştırmanın iki amacı bulunmaktadır. Birincisi para vakıflarının kapanmasına neden olan faktörleri belirlemek, ikincisi para vakıflarının modern finansal piyasalarda bir karşılığının olup olmadığını saptamaktır. Araştırma sonuçlarına göre para vakıflarının son bulmasına neden olan temel kısıtlar sermayelerinin azalması/yetersizliği ve kurumsal rekabet yeteneklerinin düşük olmasıdır. Ayrıca modern finans sisteminde bir kredi kuruluşu olarak para vakıflarına ihtiyaç olmadığı para vakıfları için en ideal iş modelinin girişim sermayesi finansmanı ve mikro kredi olduğu sonucuna ulaşılmıştır.
The money foundations have contributed to the stability of the Ottoman economy by giving loans with a certain debt rate to the people and merchants in the Ottoman State who have been in need for centuries. The funds that ended with the spread of the banks are one of the institutions identified with the Ottoman State. This research has two objectives. The first is to determine the factors that cause the closure of monetary foundations, the second is to determine whether monetary foundations have a reward in the modern financial markets. According to the research results, the main limitations that lead to the funds’ discontinuation are the decrease/insufficiency of their capital and the low competitive capacity of the enterprise. In the modern financial system there is no need for funds as a credit institution; the ideal business model for funds is enterprise capital financing and micro-credit.
Cash waqfs contributed to the stability of the Ottoman economy by lending to individuals and tradesmen for centuries in the Ottoman Empire at a certain borrowing rate. Cash waqfs, which ended their operations with the expansion of banks, are one of the institutions identified with the Ottoman State. This research has two aims. The first one is to determine the factors that led to the closure of cash waqfs, the second one is to identify whether cash waqfs have a counterpart in modern financial markets. According to the results of the research, the main constraints that lead to the end of cash waqfs are the shortage of capital and the low organizational competition. Furthermore, it was concluded that there is no need for cash waqfs as a credit institution in the modern financial system; the ideal business model for cash waqfs is venture capital and microcredit.
Field : Sosyal, Beşeri ve İdari Bilimler
Journal Type : Ulusal
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