{"id":7760,"date":"2009-04-05T11:37:39","date_gmt":"2009-04-05T08:37:39","guid":{"rendered":"http:\/\/www.korhanyilmaz.com\/?p=7760"},"modified":"2009-04-05T11:37:39","modified_gmt":"2009-04-05T08:37:39","slug":"kredi-karti-kullanicilari-dikkat","status":"publish","type":"post","link":"http:\/\/www.korhanyilmaz.com\/?p=7760","title":{"rendered":"Kredi kart\u0131 kullan\u0131c\u0131lar\u0131 dikkat!"},"content":{"rendered":"

\"Kredi<\/strong><\/p>\n

Uzmanlar, t\u00fcketicileri neden uyard\u0131?<\/strong><\/p>\n

Bahar geldi al\u0131\u015fveri\u015f mevsimi ba\u015flad\u0131. Uzmanlar, bahar aylar\u0131n\u0131n, t\u00fcketicileri daha fazla harcama e\u011filimine sokabilece\u011fini belirterek, \u00f6zellikle kredi kart\u0131 bor\u00e7lular\u0131n\u0131, harcamalarda \u00f6l\u00e7\u00fcl\u00fc olmalar\u0131 konusunda uyar\u0131yor.<\/p>\n

Sel\u00e7uk \u00dcniversitesi \u0130ktisadi \u0130dari Bilimler Fak\u00fcltesi \u0130ktisat B\u00f6l\u00fcm\u00fc Ba\u015fkan\u0131 Prof. Dr. Serdar Alt\u0131nok, d\u00fcnyay\u0131 etkisi alt\u0131na alan ekonomik krizin T\u00fcrkiye’de de hissedildi\u011fi, bunun etkilerinin artan i\u015fsizlik rakamlar\u0131 ve piyasadaki a\u015f\u0131r\u0131 daralmadan net bir \u015fekilde g\u00f6r\u00fcld\u00fc\u011f\u00fcn\u00fc s\u00f6yledi.<\/p>\n

Ekonomide ya\u015fanan olumsuzluklara, ay ba\u015f\u0131nda a\u00e7\u0131klanan Mart ay\u0131 t\u00fcketici fiyatlar\u0131 endeksinin (T\u00dcFE) y\u00fczde 1,10 oran\u0131nda \u00e7\u0131kmas\u0131n\u0131n da eklendi\u011fini dile getiren Alt\u0131nok, T\u00dcFE’nin y\u00fcksek \u00e7\u0131kmas\u0131nda en b\u00fcy\u00fck etkinin bahar aylar\u0131yla birlikte t\u00fcketimde ya\u015fanan art\u0131\u015f oldu\u011funu vurgulad\u0131.<\/p>\n

Bahar aylar\u0131yla birlikte giyim ba\u015fta olmak \u00fczere \u00e7e\u015fitli \u00fcr\u00fcn gruplar\u0131nda de\u011fi\u015fim ya\u015fand\u0131\u011f\u0131n\u0131, vitrinlerin de\u011fi\u015fti\u011fini, \u00e7e\u015fitli g\u0131da ve meyve-sebze \u00e7e\u015fitlerinin artt\u0131\u011f\u0131n\u0131 ifade eden Alt\u0131nok, bu de\u011fi\u015fimlerin t\u00fcketimi art\u0131r\u0131c\u0131 etki yapt\u0131\u011f\u0131n\u0131 anlatt\u0131.
\nT\u00fcketimdeki art\u0131\u015f\u0131n enflasyonist bask\u0131y\u0131 da beraberinde getirdi\u011fini, bunun sonucunda da enflasyon rakamlar\u0131n\u0131n artt\u0131\u011f\u0131na dikkati \u00e7eken Prof. Dr. Alt\u0131nok, \u015funlar\u0131 kaydetti:\n<\/p>\n

“Zaten her y\u0131l bahar aylar\u0131nda t\u00fcketiciler, daha fazla harcama e\u011filimine girerler. Burada bahar\u0131n getirdi\u011fi enerjinin, harcamalara psikolojik etkisi \u00f6n plana \u00e7\u0131k\u0131yor. K\u0131\u015f aylar\u0131 boyunca evinde kapal\u0131 kalan vatanda\u015f, baharda d\u0131\u015far\u0131 \u00e7\u0131k\u0131p al\u0131\u015fveri\u015f yapmaya daha elveri\u015fli hale geliyor. Zaten \u00fclkemizde kredi kart\u0131 harcamalar\u0131, \u00e7oktan ekonomi \u00fczerinde risk olu\u015fturabilecek noktalara ula\u015fm\u0131\u015ft\u0131. Bahar aylar\u0131nda psikolojik olarak harcama e\u011filimi i\u00e7ine giren vatanda\u015f, g\u00f6z\u00fc kara bir \u015fekilde harcama yaparsa, sonras\u0131nda daha b\u00fcy\u00fck sorunlar ya\u015fayabilir. Bunun ilk olumsuz sonucu ise kredi kart\u0131 bor\u00e7lar\u0131n\u0131n daha da artmas\u0131 \u015feklinde kar\u015f\u0131m\u0131za \u00e7\u0131kar.”<\/p>\n

GEL\u0130R GARANT\u0130S\u0130 OLMAYANLAR DAHA FAZLA D\u0130KKAT ETMEL\u0130<\/strong>
\nProf. Dr. Alt\u0131nok, bunun i\u00e7in bahar aylar\u0131nda hesaps\u0131z harcamalara dikkat edilmesi, \u00f6zellikle kredi kart\u0131 bor\u00e7lular\u0131 veya gelir garantisi olmayan, i\u015fini kaybetme riski bulunan ki\u015filerin harcamalar\u0131n\u0131 azaltmaya yoluna gitmesinde b\u00fcy\u00fck yarar olaca\u011f\u0131n\u0131 dile getirdi.\n<\/p>\n

\u00d6n\u00fcm\u00fczdeki d\u00f6nemde firmalar\u0131n \u00fcretimlerini ve karlar\u0131n\u0131 art\u0131rmak i\u00e7in bahar kampanyalar\u0131na daha fazla a\u011f\u0131rl\u0131k verebilece\u011fine dikkati \u00e7eken Alt\u0131nok, “Bu kampanyalardan yararlanmay\u0131 d\u00fc\u015f\u00fcnen ki\u015filerin de hesaplar\u0131 iyi yapmalar\u0131 gerekiyor. Fiyatlar\u0131n cazibesine kap\u0131larak yap\u0131lacak hesaps\u0131z harcamalar sadece bor\u00e7lu ki\u015fileri zor durumda b\u0131rakmakla da kalmaz, orta ve uzun vadede \u00fclke ekonomisine ciddi de zararlar verebilir” diye konu\u015ftu.<\/p>\n

Prof. Dr. Alt\u0131nok, ekonomide kimsenin hen\u00fcz \u00f6n\u00fcn\u00fc g\u00f6remedi\u011fini, kredi kart\u0131 bor\u00e7lar\u0131n\u0131n d\u00f6nd\u00fcr\u00fclemez hale gelmesi durumunda sosyal bar\u0131\u015f\u0131n da bozulabilece\u011fini, bu nedenle harcamalara azami dikkat edilmesinin \u015fart oldu\u011funu s\u00f6zlerine ekledi.<\/p>\n

AA<\/span><\/p>\n

\n","protected":false},"excerpt":{"rendered":"

\n

Uzmanlar, t\u00fcketicileri neden uyard\u0131?<\/p>\n

Bahar geldi al\u0131\u015fveri\u015f mevsimi ba\u015flad\u0131. Uzmanlar, bahar aylar\u0131n\u0131n, t\u00fcketicileri daha fazla harcama e\u011filimine sokabilece\u011fini belirterek, \u00f6zellikle kredi kart\u0131 bor\u00e7lular\u0131n\u0131, harcamalarda \u00f6l\u00e7\u00fcl\u00fc olmalar\u0131 konusunda uyar\u0131yor.<\/p>\n

Sel\u00e7uk \u00dcniversitesi \u0130ktisadi \u0130dari Bilimler Fak\u00fcltesi \u0130ktisat B\u00f6l\u00fcm\u00fc Ba\u015fkan\u0131 Prof. Dr. Serdar Alt\u0131nok, d\u00fcnyay\u0131 etkisi alt\u0131na alan ekonomik <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-7760","post","type-post","status-publish","format-standard","hentry","category-ekonomi","odd"],"_links":{"self":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts\/7760","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=7760"}],"version-history":[{"count":0,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=\/wp\/v2\/posts\/7760\/revisions"}],"wp:attachment":[{"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=7760"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=7760"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.korhanyilmaz.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=7760"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}