<\/p>\n\n\n\n
Tarihte baz\u0131 toplumlar \u00fcreterek zenginle\u015fir, baz\u0131lar\u0131 ise bor\u00e7lanarak zenginle\u015fti\u011fini zanneder. Aradaki fark, refah d\u00f6nemlerinde anla\u015f\u0131lmaz; ger\u00e7ek ortaya ancak hesap vakti geldi\u011finde \u00e7\u0131kar. T\u00fcrkiye’nin son on y\u0131l\u0131na d\u00f6n\u00fcp bakt\u0131\u011f\u0131m\u0131zda, tam da b\u00f6yle bir ger\u00e7ekle kar\u015f\u0131 kar\u015f\u0131yay\u0131z. Uzun s\u00fcre zenginle\u015fti\u011fimizi d\u00fc\u015f\u00fcnd\u00fck. Oysa ger\u00e7ekte olan, zenginle\u015fmekten \u00e7ok zengin ya\u015famak oldu. T\u00fcrkiye ekonomisini anlamaya \u00e7al\u0131\u015f\u0131rken \u00e7o\u011fu zaman faiz oranlar\u0131na, d\u00f6viz kurlar\u0131na, b\u00fcy\u00fcme rakamlar\u0131na ve enflasyon verilerine odaklan\u0131yoruz. Oysa meselenin \u00f6z\u00fc yaln\u0131zca ekonomi politikalar\u0131nda de\u011fil; toplum olarak refaha, t\u00fcketime ve zenginli\u011fe bak\u0131\u015f\u0131m\u0131zda yat\u0131yor.<\/p>\n\n\n\n
Uzun y\u0131llar boyunca sanki \u00fclkenin alt\u0131ndan yeni petrol yataklar\u0131 f\u0131\u015fk\u0131rm\u0131\u015f gibi ya\u015fad\u0131k. Sanki d\u00fcnyan\u0131n \u00fcretim merkezleri T\u00fcrkiye’ye ta\u015f\u0131nm\u0131\u015f, kaynaklar\u0131m\u0131z s\u0131n\u0131rs\u0131zm\u0131\u015f gibi davrand\u0131k. Kazand\u0131\u011f\u0131m\u0131zdan fazlas\u0131n\u0131 harcad\u0131k, \u00fcretti\u011fimizden fazlas\u0131n\u0131 t\u00fckettik. Sahibi olmad\u0131\u011f\u0131m\u0131z otomobillere bindik, sahibi olmad\u0131\u011f\u0131m\u0131z evlerde oturduk, gelecekte kazanaca\u011f\u0131m\u0131z gelirleri bug\u00fcnden harcamay\u0131 normalle\u015ftirdik. Oysa T\u00fcrkiye hi\u00e7bir zaman d\u00fc\u015f\u00fck enflasyonlu, y\u00fcksek tasarruflu ve g\u00fc\u00e7l\u00fc sermaye birikimine sahip bir \u00fclke olmad\u0131. T\u00fcrkiye tarihsel olarak bir enflasyon \u00fclkesidir. Bu ger\u00e7e\u011fi unuttu\u011fumuz anda ekonomik ger\u00e7eklik kendisini hat\u0131rlatmaya ba\u015flad\u0131. \u0130lk ciddi uyar\u0131 2016 y\u0131l\u0131nda geldi. Ekonomide yava\u015flama sinyalleri belirince Kredi Garanti Fonu devreye al\u0131nd\u0131. KGF’nin \u00f6z\u00fc \u015fuydu: Normal \u015fartlarda bankalar\u0131n kredi vermeye yana\u015fmayaca\u011f\u0131 ki\u015fi ve \u015firketlere devlet kefil oluyordu. Piyasan\u0131n do\u011fal risk de\u011ferlendirmesi kamu g\u00fcc\u00fcyle erteleniyor, gelece\u011fin y\u00fck\u00fc bug\u00fcne ta\u015f\u0131n\u0131yordu. Bu uygulama ekonomiyi bir s\u00fcre daha ta\u015f\u0131d\u0131. Ard\u0131ndan Rahip Brunson krizi ya\u015fand\u0131. Kur \u015foku geldi. \u00c7\u00f6z\u00fcm yine kredi geni\u015flemeleri ve yeni destek paketleri oldu. B\u00f6ylece sistem biraz daha zaman kazand\u0131 ve s\u00fcre\u00e7 pandemiye kadar uzand\u0131. Pandemi ise yaln\u0131zca T\u00fcrkiye’nin de\u011fil, b\u00fct\u00fcn d\u00fcnyan\u0131n ekonomik dengelerini sarst\u0131. Tarihin en b\u00fcy\u00fck parasal geni\u015flemelerinden biri ya\u015fand\u0131. Kredi musluklar\u0131 sonuna kadar a\u00e7\u0131ld\u0131. Sonras\u0131nda Kur Korumal\u0131 Mevduat gibi ola\u011fan\u00fcst\u00fc uygulamalar devreye al\u0131nd\u0131. Ekonomi yeniden nefes ald\u0131 ama yap\u0131sal sorunlar \u00e7\u00f6z\u00fclmedi. \u00c7\u00fcnk\u00fc sorun yaln\u0131zca finansal de\u011fildi; sorun ekonomik davran\u0131\u015flar\u0131m\u0131zdayd\u0131. Tam bu s\u00fcre\u00e7te Cumhuriyet tarihinin en b\u00fcy\u00fck felaketlerinden biri ya\u015fand\u0131. On binlerce insan\u0131m\u0131z\u0131 kaybettik. On iki ilimiz a\u011f\u0131r y\u0131k\u0131ma u\u011frad\u0131. Zaten k\u0131r\u0131lgan olan ekonomik yap\u0131, tarihin en b\u00fcy\u00fck afetlerinden biriyle kar\u015f\u0131 kar\u015f\u0131ya kald\u0131.<\/p>\n\n\n\n
Bug\u00fcn ya\u015fad\u0131\u011f\u0131m\u0131z tabloyu yaln\u0131zca faiz politikalar\u0131yla, yaln\u0131zca h\u00fck\u00fcmetlerle ya da yaln\u0131zca k\u00fcresel geli\u015fmelerle a\u00e7\u0131klamak eksik kal\u0131r. \u00c7\u00fcnk\u00fc ortada daha derin bir mesele vard\u0131r. Biz, sahibi olmad\u0131\u011f\u0131m\u0131z refah\u0131 ya\u015famaya al\u0131\u015ft\u0131k. Para bolken tasarruf etmedik. Kredi kolayken \u00fcretim yerine t\u00fcketime y\u00f6neldik. Gelirimiz artmadan ya\u015fam standartlar\u0131m\u0131z\u0131 y\u00fckselttik. Kazanc\u0131m\u0131zla de\u011fil, eri\u015febildi\u011fimiz krediyle hayat kurduk. \u015eimdi ise y\u0131llard\u0131r ertelenen faturalar \u00f6n\u00fcm\u00fcze geliyor. Asl\u0131nda bug\u00fcn ya\u015fanan \u015fey yaln\u0131zca ekonomik bir kriz de\u011fildir. Bu ayn\u0131 zamanda bir ger\u00e7eklik s\u0131nav\u0131d\u0131r. T\u00fcrkiye bug\u00fcn hayat\u0131n ekonomik ger\u00e7ekleriyle y\u00fczle\u015fmektedir.<\/p>\n\n\n\n
Bir toplumun s\u00fcrd\u00fcr\u00fclebilir refah\u0131 t\u00fcketim kapasitesiyle de\u011fil, \u00fcretim kapasitesiyle \u00f6l\u00e7\u00fcl\u00fcr. Kal\u0131c\u0131 zenginlik krediyle de\u011fil, sermaye birikimiyle olu\u015fur. G\u00fc\u00e7l\u00fc ekonomi y\u00fcksek maa\u015flardan \u00f6nce y\u00fcksek verimlilik ister. Biz ise \u00e7o\u011fu zaman sonucu sebepten \u00f6nce elde etmeye \u00e7al\u0131\u015ft\u0131k. Daha da \u00f6nemlisi, ekonomik seviyemiz ne olursa olsun ya\u015fam tarzlar\u0131m\u0131z\u0131 ger\u00e7ek gelirimizin \u00fczerine in\u015fa ettik. Orta gelirli insan \u00fcst gelirli gibi ya\u015famak istedi. Alt gelirli insan orta gelirli gibi g\u00f6r\u00fcnmeye \u00e7al\u0131\u015ft\u0131. Sosyal medya \u00e7a\u011f\u0131nda herkes bir \u00fcst s\u0131n\u0131f\u0131n hayat\u0131n\u0131 taklit etmeye ba\u015flad\u0131. Ancak ekonomik ger\u00e7eklik, taklit edilen hayatlar\u0131 de\u011fil, \u00fcretilen de\u011feri finanse eder. Bu nedenle mesele yaln\u0131zca faiz de\u011fildir. Mesele yaln\u0131zca enflasyon da de\u011fildir. Mesele zihniyettir.<\/p>\n\n\n\n
E\u011fer t\u00fcketim al\u0131\u015fkanl\u0131klar\u0131m\u0131z\u0131, tasarruf k\u00fclt\u00fcr\u00fcm\u00fcz\u00fc ve refaha bak\u0131\u015f\u0131m\u0131z\u0131 de\u011fi\u015ftirmezsek d\u00f6ng\u00fc yeniden ba\u015flayacakt\u0131r. Faizler d\u00fc\u015fecek, kredi geni\u015fleyecek, t\u00fcketim patlayacak, enflasyon y\u00fckselecek ve birka\u00e7 y\u0131l sonra yeniden ayn\u0131 tart\u0131\u015fmalar\u0131 yapaca\u011f\u0131z. \u00c7\u00fcnk\u00fc sorun ara\u00e7larda de\u011fil, al\u0131\u015fkanl\u0131klardad\u0131r. Bug\u00fcn kendimize sormam\u0131z gereken soru ger\u00e7ekten zenginle\u015fmek mi istiyoruz, yoksa zengin g\u00f6r\u00fcnmeye devam m\u0131 etmek istiyoruz? Bu sorunun cevab\u0131 yaln\u0131zca ekonomik gelece\u011fimizi de\u011fil, \u00e7ocuklar\u0131m\u0131za b\u0131rakaca\u011f\u0131m\u0131z \u00fclkenin karakterini de belirleyecektir. \u00c7\u00fcnk\u00fc g\u00fc\u00e7l\u00fc milletler \u00f6nce tasarruf etmeyi, \u00fcretmeyi ve sabretmeyi \u00f6\u011frenirler; refah ise bunun do\u011fal sonucu olarak gelir.<\/p>\n\n\n\n
Bug\u00fcn kar\u015f\u0131 kar\u015f\u0131ya oldu\u011fumuz mesele yaln\u0131zca faiz de\u011fildir. Yaln\u0131zca d\u00f6viz kuru da de\u011fildir. Hatta yaln\u0131zca enflasyon hi\u00e7 de\u011fildir. As\u0131l mesele, refah\u0131 nas\u0131l tan\u0131mlad\u0131\u011f\u0131m\u0131zd\u0131r. Uzun y\u0131llard\u0131r zenginle\u015fmek ile zengin g\u00f6r\u00fcnmek aras\u0131ndaki fark\u0131 g\u00f6zden ka\u00e7\u0131r\u0131yoruz. \u00dcretmeden t\u00fcketmeyi, biriktirmeden harcamay\u0131, kazanmadan sahip olmay\u0131 normalle\u015ftirdik. Oysa ekonomik ger\u00e7ekler er ya da ge\u00e7 herkesi kendi s\u0131n\u0131rlar\u0131yla y\u00fczle\u015ftirir. T\u00fcrkiye bug\u00fcn tam da b\u00f6yle bir kav\u015faktad\u0131r.<\/p>\n\n\n\n
\u00d6n\u00fcm\u00fczde iki yol vard\u0131r. Ya ge\u00e7mi\u015fte oldu\u011fu gibi kolay para d\u00f6nemlerinin yeniden ba\u015flamas\u0131n\u0131 bekleyip ayn\u0131 d\u00f6ng\u00fcy\u00fc tekrar ya\u015fayaca\u011f\u0131z; ya da tasarrufu, \u00fcretimi, verimlili\u011fi ve ger\u00e7ek sermaye birikimini merkeze alan yeni bir ekonomik k\u00fclt\u00fcr in\u015fa edece\u011fiz. \u00c7\u00fcnk\u00fc g\u00fc\u00e7l\u00fc devletler yaln\u0131zca b\u00fcy\u00fck b\u00fct\u00e7elerle kurulmaz. G\u00fc\u00e7l\u00fc devletler, gelece\u011fini bug\u00fcnden t\u00fcketmeyen toplumlar\u0131n omuzlar\u0131nda y\u00fckselir.<\/p>\n\n\n\n
Milletler krizlerden dolay\u0131 y\u0131k\u0131lmazlar. Milletleri y\u0131kan \u015fey, ya\u015fad\u0131klar\u0131 krizlerden ders \u00e7\u0131karamamalar\u0131d\u0131r. T\u00fcrkiye’nin \u00f6n\u00fcndeki mesele art\u0131k sadece ekonomik de\u011fildir; ayn\u0131 zamanda ahlaki, k\u00fclt\u00fcrel ve zihinsel bir tercihtir. \u00dcreterek mi ya\u015fayaca\u011f\u0131z, bor\u00e7lanarak m\u0131? Gelece\u011fi mi in\u015fa edece\u011fiz, yoksa gelece\u011fimizden mi t\u00fcketece\u011fiz? Bu sorular\u0131n cevab\u0131 yaln\u0131zca ekonominin de\u011fil, gelecek nesillerin kaderini de belirleyecektir ve tarih, her zaman oldu\u011fu gibi, bug\u00fcn verdi\u011fimiz cevaplar\u0131 yar\u0131n\u0131n h\u00fckm\u00fcne d\u00f6n\u00fc\u015ft\u00fcrecektir.<\/p>\n","protected":false},"excerpt":{"rendered":"
Tarihte baz\u0131 toplumlar \u00fcreterek zenginle\u015fir, baz\u0131lar\u0131 ise bor\u00e7lanarak zenginle\u015fti\u011fini zanneder. Aradaki fark, refah d\u00f6nemlerinde anla\u015f\u0131lmaz; ger\u00e7ek ortaya ancak hesap vakti geldi\u011finde \u00e7\u0131kar. T\u00fcrkiye’nin son on y\u0131l\u0131na d\u00f6n\u00fcp bakt\u0131\u011f\u0131m\u0131zda, tam da b\u00f6yle bir ger\u00e7ekle kar\u015f\u0131 kar\u015f\u0131yay\u0131z. Uzun s\u00fcre zenginle\u015fti\u011fimizi d\u00fc\u015f\u00fcnd\u00fck. Oysa ger\u00e7ekte olan, zenginle\u015fmekten \u00e7ok zengin ya\u015famak oldu. T\u00fcrkiye ekonomisini anlamaya \u00e7al\u0131\u015f\u0131rken \u00e7o\u011fu zaman faiz oranlar\u0131na, d\u00f6viz kurlar\u0131na, b\u00fcy\u00fcme rakamlar\u0131na ve enflasyon verilerine odaklan\u0131yoruz. Oysa meselenin \u00f6z\u00fc yaln\u0131zca ekonomi politikalar\u0131nda de\u011fil; toplum olarak refaha, t\u00fcketime ve zenginli\u011fe bak\u0131\u015f\u0131m\u0131zda yat\u0131yor.<\/p>\n","protected":false},"author":2,"featured_media":10972,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"aside","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[88],"tags":[],"class_list":["post-10973","post","type-post","status-publish","format-aside","has-post-thumbnail","hentry","category-oneriler","post_format-post-format-aside"],"jetpack_featured_media_url":"https:\/\/altinisik.org\/wp-content\/uploads\/2026\/06\/4bf8741e-bfde-4035-b3f7-c29b6d9a633d.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/altinisik.org\/index.php?rest_route=\/wp\/v2\/posts\/10973","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/altinisik.org\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/altinisik.org\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/altinisik.org\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/altinisik.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=10973"}],"version-history":[{"count":0,"href":"https:\/\/altinisik.org\/index.php?rest_route=\/wp\/v2\/posts\/10973\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/altinisik.org\/index.php?rest_route=\/wp\/v2\/media\/10972"}],"wp:attachment":[{"href":"https:\/\/altinisik.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=10973"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/altinisik.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=10973"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/altinisik.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=10973"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}