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  Citation Number 8
 Views 27
 Downloands 8
Türkiye’de Teverruk ve Yeniden Yapılandırmada Teverruka Alternatif Bir Ürün Olarak Yeniden Yapılandırma Tekafül Fonu
2019
Journal:  
İslam Ekonomisi ve Finansı Dergisi (İEFD)
Author:  
Abstract:

Son on - on beş yıllık dönemde Türkiye’deki katılım bankacılığı sektörünün birçok alanına yayılan bir uygulama olan organize teverruk ya da banka teverruğu, küresel olarak da İslami finans alanında çok büyük bir yer edinmiştir. Finansal açıdan faizli işlemlerde olduğu gibi kârlı nakit alışverişine benzer bir imkan sunan organize teverruk uygulaması, sabit getirisi ile bankalar açısından risk içermeyişi ve operasyonel kolaylığı dolayısı ile sektörde kendisine artan oranda yer bulmaktadır. Fıkıh alimlerinin bu uygulamayı genel olarak İslami finansa uygun bulmaması ve sadece zaruret durumlarında kullanımına cevaz vermesi, uygulamanın yayılma hızını kısıtlarken, akademisyenler ve diğer paydaşlar tarafından da uygulamanın katılım bankacılığının ilkeleri ve hedefleri ile uyumlu olmadığı yönündeki eleştiriler ciddi tartışmalara yol açmaktadır. Yöneltilen eleştirilere yönelik bankacılık tarafının verdiği cevap ise organize teverrukun uygulandığı alanlarda alternatif bir finansal ürünün bulunmadığı ve uygun alternatifler oluştuğu takdirde bu uygulamanın kullanımından kaçınılacağı yönündedir. Organize teverrukun en yaygın olarak kullanıldığı alanların başında kredi borcunu planlandığı şekilde ödeyemeyen müşteriler için kredinin yeniden yapılandırılması alanı gelmektedir. Bu makalenin amacı genel olarak tasvip edilmeyen organize teverruk uygulamasının yeniden yapılandırma alanındaki kullanımına alternatif olarak tekafüle dayalı bir çözüm önerisi sunmaktır. Anahtar Kelimeler: Teverruk, Organize Teverruk, Banka Teverruğu, Emtia Murabahası, Tekafül, Faiz, Katılım Bankacılığı.

Keywords:

In Turkey, the Teverruk and Restructuring Teverruka Restructuring Fund as an Alternative Product
2019
Author:  
Abstract:

In the last ten to fifteen years, participation banking in Turkey, which is an application spread to many areas of the banking sector, organized banking or banking, has gained a very large place in the Islamic finance field globally. The implementation of organized taxation, which offers a similar possibility to profitable cash trading as in financial interest transactions, has a fixed return and banks are not involved in risk and operational facility due to its increasing position in the sector. The fact that the fighteous scientists found this practice not suitable for Islamic finance in general and responded to its use only in cases of disadvantage, restricting the spread rate of the practice, while the criticism by academics and other stakeholders that the practice is not consistent with the principles and objectives of participating banking leads to serious discussions. The response of the banking party to the criticism is that there is no alternative financial product in the areas where the organized taxation is applied and if appropriate alternatives are created, the use of this application will be avoided. The restructuring area of the loan for customers who are not able to pay the credit debt as planned comes in the areas where the organized debt is the most commonly used. The purpose of this article is to present a puzzle-based solution proposal as an alternative to the use in the restructuring field of the unacceptable organized tightening application. Keywords: Banks, Banks, Banks, Banks, Banks, Banks, Banks, Banks, Banks, Banks, Banks, Banks, Banks, Banks, Banks, Banks.

Keywords:

Tawarruq In Turkey and An Alternative Product To Tawarruq In Debt Restructuring: Debt Restructuring Taqaful Fund
2019
Author:  
Abstract:

Organized tawarruq or bank tawarruq (including commodity murabaha, reverse murabaha etc.), is an application that is widely used in the global Islamic finance market today and it has been expanding rapidly in Turkish Islamic banking sector as well during the last decade. Due to its resemblance to profit added cash transaction from a financial perspective, not containing risk with its fixed return and its operational convenience, organized tawarruq finds a bigger role for itself in the sector. Because the fiqh scholars do not approve tawarruq as a main stream instrument to use, its speed of transmission is reduced and criticism from academicians that tawarruq is not compatible with Islamic banking principles and goals causes big discussions. The answer of the bankers to this discussion is that there is no viable option to organized tawarruq and if there would be one, they would apply it. Debt restructuring for the customers who can not continue with the payment installments as planned at the beginning of the transaction, is one of the main fields that the instrument is widely used in the sector. The purpose of this article is to offer an alternative to organized tawarruq used in debt restructuring through a takaful based solution. Key Words: Tawarruq, Organized Tawarruq, Banking Tawarruq, Commodity Murabaha, Taqaful, Interest, Islamic Banking.

Keywords:

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İslam Ekonomisi ve Finansı Dergisi (İEFD)

Field :   Sosyal, Beşeri ve İdari Bilimler

Journal Type :   Uluslararası

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Article : 123
Cite : 299
İslam Ekonomisi ve Finansı Dergisi (İEFD)