{"id":3774,"date":"2025-07-28T14:32:00","date_gmt":"2025-07-28T11:32:00","guid":{"rendered":"https:\/\/topraktaumutvar.com.tr\/index.php\/2025\/07\/28\/tarim-kredi-kooperatiflerinde-kredi-imkanlari-daraliyor\/"},"modified":"2025-07-28T14:32:00","modified_gmt":"2025-07-28T11:32:00","slug":"tarim-kredi-kooperatiflerinde-kredi-imkanlari-daraliyor","status":"publish","type":"post","link":"https:\/\/topraktaumutvar.com.tr\/index.php\/2025\/07\/28\/tarim-kredi-kooperatiflerinde-kredi-imkanlari-daraliyor\/","title":{"rendered":"Tar\u0131m Kredi Kooperatiflerinde kredi imkanlar\u0131 daral\u0131yor!"},"content":{"rendered":"<p>T\u00fcrkiye\u2019nin d\u00f6rt bir yan\u0131ndaki \u00fcretici ortaklar, Tar\u0131m Kredi Kooperatiflerinin son y\u0131llarda <strong>\u201ckredi var ama yok\u201d<\/strong> noktas\u0131na geldi\u011fini s\u00f6yl\u00fcyor. 2020\u2019de kefil ve imza kar\u015f\u0131l\u0131\u011f\u0131 25 bin TL kredi alabilen \u00e7ift\u00e7iler, bug\u00fcn aradan ge\u00e7en be\u015f y\u0131lda y\u00fczde 850\u2019ye varan bu\u011fday enflasyonuna ra\u011fmen ayn\u0131 kolayl\u0131kla kredi kullanam\u0131yor. \u00dcstelik art\u0131k sadece kefil de\u011fil, ara\u00e7 rehni ve ta\u015f\u0131nmaz ipote\u011fi gibi a\u011f\u0131r teminatlar da istenmesine ra\u011fmen kredi tutarlar\u0131 200 bin TL\u2019yi bile bulmuyor.<\/p>\n<h3>Enflasyon u\u00e7tu, kredi yerinde sayd\u0131<\/h3>\n<p>TMO verilerine g\u00f6re 2020\u2019de kg fiyat\u0131 1,65 TL olan bu\u011fday, 2025\u2019te 13,5 TL\u2019ye y\u00fckseldi. Bu art\u0131\u015f y\u00fczde 800\u2019\u00fcn \u00fczerinde. Yani 2020\u2019de al\u0131nan 25 bin TL\u2019lik bir kredi, reel olarak bug\u00fcn yakla\u015f\u0131k 200 bin TL\u2019ye denk geliyor. Ancak \u00e7ift\u00e7inin kooperatiflerden alabildi\u011fi kredi miktar\u0131 ayn\u0131 oranda artmad\u0131; hatta teminatlar a\u011f\u0131rla\u015ft\u0131, kredi kullan\u0131m\u0131 azald\u0131.<\/p>\n<h3>Kefalet sistemi gitti, dosya ve teminat y\u00fck\u00fc geldi<\/h3>\n<p>\u00c7ift\u00e7iler, Tar\u0131m Kredi Kooperatiflerinin kredi politikas\u0131ndaki de\u011fi\u015fikliklerden \u015fikayet\u00e7i. Birlik modeliyle birlikte <strong>\u2018riskten ka\u00e7\u0131nma\u2019<\/strong> ve <strong>\u2018teminat g\u00fcvenli\u011fi\u2019 <\/strong>politikalar\u0131n\u0131n \u00f6ne \u00e7\u0131kt\u0131\u011f\u0131n\u0131, kefalet sisteminin fiilen kald\u0131r\u0131ld\u0131\u011f\u0131n\u0131, ta\u015f\u0131t ve ta\u015f\u0131nmaz de\u011ferlerinin reel fiyatlar\u0131n\u0131n alt\u0131nda g\u00f6sterildi\u011fini s\u00f6yl\u00fcyorlar. Bu da kredinin tespitini d\u00fc\u015f\u00fcr\u00fcyor.<\/p>\n<p>Bir ba\u015fka ele\u015ftiri de, kooperatiflerin kredi hesaplamas\u0131nda kulland\u0131\u011f\u0131 tar\u0131msal \u00fcr\u00fcn de\u011ferlerinin piyasan\u0131n \u00e7ok alt\u0131nda olmas\u0131. \u00d6rne\u011fin \u00fcreticide 12,5 liraya al\u0131nan bu\u011fday, kredi hesaplamas\u0131nda 6 liradan g\u00f6steriliyor; koyunun de\u011feri 6 bin liraya d\u00fc\u015f\u00fcr\u00fcl\u00fcyor. B\u00f6ylece \u00e7ift\u00e7i, hak etti\u011fi kredi limitine bile ula\u015fam\u0131yor.<\/p>\n<h3>Kurakl\u0131k ve enflasyon birle\u015fince tablo a\u011f\u0131rla\u015ft\u0131<\/h3>\n<p>\u0130klim de\u011fi\u015fikli\u011fi nedeniyle artan kurakl\u0131k, d\u00fc\u015fen verim ve y\u00fckselen girdi maliyetleri \u00e7ift\u00e7inin krediye olan ihtiyac\u0131n\u0131 art\u0131r\u0131yor. Ancak krediye ula\u015famayan \u00fcretici \u201c<strong>Bir yandan kurakl\u0131k, bir yandan b\u00fcrokrasi bo\u011fuyor\u201d <\/strong>diye tepki g\u00f6steriyor.<\/p>\n<h3>\u00c7ift\u00e7i Tar\u0131m Kredi&#8217;den 250 bin TL kredi alamazken \u015eekerbank&#8217;tan 4 milyon kredi alabiliyor!<\/h3>\n<p>Bir \u00e7ift\u00e7i, kooperatiften 250 bin TL kredi alamazken, \u015eekerbank\u2019tan 4 milyon TL kredi ve yan\u0131nda 4 ay faizsiz tar\u0131msal kart alabildi\u011fini anlat\u0131yor. Ancak k\u00f6y\u00fcndeki kooperatiften bu kartla yem ve g\u00fcbre almak isterken y\u00fczde 7 komisyon kesintisiyle de kar\u015f\u0131la\u015f\u0131yor.<\/p>\n<h3>Hazine indirimi 3 y\u0131ld\u0131r g\u00fcncellenmedi<\/h3>\n<p>\u00c7ift\u00e7iler ayr\u0131ca Tar\u0131m Kredi\u2019den kullan\u0131lan kredilerin ilk 300 bin TL\u2019sine uygulanan hazine indiriminin 3 y\u0131ld\u0131r art\u0131r\u0131lmad\u0131\u011f\u0131n\u0131 hat\u0131rlat\u0131yor. Enflasyon y\u00fczde 100\u2019leri a\u015farken, \u00e7ift\u00e7iye tan\u0131nan indirim yerinde say\u0131yor. \u00c7ift\u00e7i, <strong>\u201cGenel M\u00fcd\u00fcr neden bu konuda bir ad\u0131m atm\u0131yor?\u201d<\/strong> diye soruyor.<\/p>\n<h3>Sistem bankala\u015ft\u0131, sosyal y\u00f6n kayboldu<\/h3>\n<p>Tar\u0131m ekonomistlerine g\u00f6re kooperatif kredileri sosyal dayan\u0131\u015fma ve \u00fcretimi s\u00fcrd\u00fcrme ama\u00e7l\u0131yd\u0131. Bug\u00fcnse tamamen banka mant\u0131\u011f\u0131yla <strong>\u2018teminat g\u00fcvenli\u011fi\u2019 <\/strong>\u00f6n plana \u00e7\u0131kar\u0131ld\u0131. Uzmanlar; kredi limitlerinin enflasyona g\u00f6re g\u00fcncellenmesi, kefalet sisteminin geri getirilmesi, ta\u015f\u0131t ve ta\u015f\u0131nmaz de\u011ferlerinin ger\u00e7ek fiyatlarla tespit edilmesi ve kredi de\u011ferlendirmelerinin h\u0131zland\u0131r\u0131lmas\u0131 gerekti\u011fini s\u00f6yl\u00fcyor.<\/p>\n<p>T\u00fcrkiye\u2019de tar\u0131m\u0131n bel kemi\u011fi olan \u00e7ift\u00e7i, kurakl\u0131kla ve girdi maliyetleriyle zaten sava\u015f\u0131yor. Bir de Tar\u0131m Kredi Kooperatiflerinin a\u011f\u0131r teminat ve d\u00fc\u015f\u00fck limit politikas\u0131, \u00e7ift\u00e7iyi \u00fcretimden kopar\u0131yor.<\/p>","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye\u2019nin d\u00f6rt bir yan\u0131ndaki \u00fcretici ortaklar, Tar\u0131m Kredi Kooperatiflerinin son y\u0131llarda \u201ckredi var ama yok\u201d noktas\u0131na geldi\u011fini s\u00f6yl\u00fcyor. 2020\u2019de kefil ve imza kar\u015f\u0131l\u0131\u011f\u0131 25 bin TL kredi alabilen \u00e7ift\u00e7iler, bug\u00fcn aradan ge\u00e7en be\u015f y\u0131lda y\u00fczde 850\u2019ye varan bu\u011fday enflasyonuna ra\u011fmen ayn\u0131 kolayl\u0131kla kredi kullanam\u0131yor. \u00dcstelik art\u0131k sadece kefil de\u011fil, ara\u00e7 rehni ve ta\u015f\u0131nmaz ipote\u011fi gibi &hellip;<\/p>\n","protected":false},"author":1,"featured_media":3775,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51],"tags":[],"class_list":["post-3774","post","type-post","status-publish","format-standard","has-post-thumbnail","","category-tarim-haberleri"],"_links":{"self":[{"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/3774","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/comments?post=3774"}],"version-history":[{"count":0,"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/3774\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/media\/3775"}],"wp:attachment":[{"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=3774"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=3774"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=3774"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}