Özet:

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 of the loan for customers who are unable to pay the credit debt as planned in the first place of the fields used as organized. 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.

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