{"id":5316,"date":"2026-08-21T09:00:00","date_gmt":"2026-08-21T06:00:00","guid":{"rendered":"https:\/\/topraktaumutvar.com.tr\/index.php\/2026\/08\/21\/kuraklik-tohum-ureticisini-vurdu-ziraat-bankasindan-bir-darbe-de-faizle-geldi\/"},"modified":"2026-08-21T09:00:00","modified_gmt":"2026-08-21T06:00:00","slug":"kuraklik-tohum-ureticisini-vurdu-ziraat-bankasindan-bir-darbe-de-faizle-geldi","status":"publish","type":"post","link":"https:\/\/topraktaumutvar.com.tr\/index.php\/2026\/08\/21\/kuraklik-tohum-ureticisini-vurdu-ziraat-bankasindan-bir-darbe-de-faizle-geldi\/","title":{"rendered":"Kurakl\u0131k tohum \u00fcreticisini vurdu, Ziraat Bankas\u0131\u2019ndan bir darbe de faizle geldi!"},"content":{"rendered":"

Haber Merkezi \/<\/strong> 2025 y\u0131l\u0131nda tar\u0131msal \u00fcretimi derinden etkileyen kurakl\u0131\u011f\u0131n faturas\u0131 tohum \u00fcreticileri a\u00e7\u0131s\u0131ndan kapanm\u0131\u015f de\u011fil.<\/p>\n

Kurakl\u0131k nedeniyle baz\u0131 b\u00f6lgelerde tohumluk \u00fcretimi i\u00e7in ekilen alanlardan beklenen \u00fcr\u00fcn al\u0131namazken, sertifikal\u0131 tohum \u00fcreticileri \u015fimdi de kulland\u0131klar\u0131 kredilerin kapat\u0131lmas\u0131 s\u0131ras\u0131nda ortaya \u00e7\u0131kan faiz y\u00fck\u00fcyle kar\u015f\u0131 kar\u015f\u0131ya kald\u0131klar\u0131n\u0131 belirtiyor.<\/p>\n

Sekt\u00f6r i\u00e7inden Tar\u0131mdan Haber\u2019e aktar\u0131lan bilgilere g\u00f6re sorun, Ziraat Bankas\u0131\u2019n\u0131n sertifikal\u0131 tohum \u00fcretimine y\u00f6nelik kulland\u0131rd\u0131\u011f\u0131 faiz indirimli kredilerde, kredi tahsisi s\u0131ras\u0131nda esas al\u0131nan tohumluk beyannamesi ile \u00fcretim sonunda ortaya \u00e7\u0131kan sertifikal\u0131 tohum miktar\u0131 aras\u0131ndaki farktan<\/strong> kaynaklan\u0131yor.<\/p>\n

KRED\u0130 TOHUMLUK BEYANNAMES\u0130NE G\u00d6RE KULLANDIRILDI<\/h3>\n

Tohum \u00fcreticileri \u00fcretim sezonunun ba\u015f\u0131nda Tohum Veri Y\u00f6netim Sistemi \u00fczerinden s\u00f6zle\u015fmeli \u00fcretim alanlar\u0131n\u0131 sisteme girerek tohumluk beyannamelerini olu\u015fturuyor.<\/p>\n

Ziraat Bankas\u0131\u2019n\u0131n da kredi tahsisinde bu beyannamelerde yer alan \u00fcretim alan\u0131 ve buna ba\u011fl\u0131 \u00fcretim miktarlar\u0131n\u0131 esas ald\u0131\u011f\u0131 belirtiliyor.<\/p>\n

Sekt\u00f6rden verilen \u00f6rne\u011fe g\u00f6re, bir firman\u0131n 10 bin dekar tohumluk \u00fcretim alan\u0131 beyan etti\u011fini ve bunun kar\u015f\u0131l\u0131\u011f\u0131nda 5 bin tonluk \u00fcretim \u00fczerinden kredi kulland\u0131\u011f\u0131n\u0131 d\u00fc\u015f\u00fcnelim.<\/p>\n

Kredi kulland\u0131r\u0131ld\u0131\u011f\u0131 tarihte hen\u00fcz \u00fcr\u00fcn hasat edilmi\u015f ve sertifikaland\u0131r\u0131lm\u0131\u015f de\u011fil. Kredi, \u00fcretim sezonunun ba\u015f\u0131nda beyan edilen tohumluk \u00fcretim alan\u0131 \u00fczerinden tahsis ediliyor.<\/p>\n

KURAKLIK VURDU, BEYAN ED\u0130LEN ALANIN TAMAMI TOHUMLU\u011eA D\u00d6N\u00dc\u015eMED\u0130<\/h3>\n

Sorun ise \u00fcretim sezonu ilerledik\u00e7e ortaya \u00e7\u0131k\u0131yor. Tar\u0131m ve Orman Bakanl\u0131\u011f\u0131 taraf\u0131ndan ger\u00e7ekle\u015ftirilen tarla kontrolleri sonucunda, ba\u015flang\u0131\u00e7ta tohumluk \u00fcretimi i\u00e7in beyan edilen alanlar\u0131n tamam\u0131 sertifikal\u0131 tohum \u00fcretimine uygun \u00e7\u0131kmayabiliyor.<\/p>\n

2025 y\u0131l\u0131nda ya\u015fanan kurakl\u0131k da bu kay\u0131plar\u0131n \u00f6nemli nedenlerinden biri oldu.<\/p>\n

Sekt\u00f6r temsilcilerinin verdi\u011fi bilgiye g\u00f6re baz\u0131 i\u015fletmelerde ba\u015flang\u0131\u00e7ta beyan edilen alan\u0131n y\u00fczde 35-40\u2019a varan k\u0131sm\u0131 \u00e7e\u015fitli nedenlerle tohumluk \u00fcretiminden d\u00fc\u015febiliyor.<\/p>\n

\u00d6rne\u011fin 5 bin ton \u00fcretim \u00f6ng\u00f6r\u00fcs\u00fc \u00fczerinden kredi kullanan bir \u00fcreticinin, tarla kontrolleri ve \u00fcretim kay\u0131plar\u0131 sonras\u0131nda ancak 3 bin ton \u00fcr\u00fcn\u00fc sertifikaland\u0131rabilecek duruma gelmesi m\u00fcmk\u00fcn olabiliyor.<\/p>\n

KURAKLIKTAN \u00dcR\u00dcN ALAMADI, \u015e\u0130MD\u0130 SERT\u0130F\u0130KA \u0130STEN\u0130YOR<\/h3>\n

Tohum \u00fcreticilerinin itiraz etti\u011fi nokta tam da burada ba\u015fl\u0131yor. Sekt\u00f6rden aktar\u0131lan bilgilere g\u00f6re Ziraat Bankas\u0131, kredilerin kapat\u0131lmas\u0131 a\u015famas\u0131nda krediye konu \u00fcretim miktar\u0131n\u0131n sertifikalar\u0131n\u0131 talep ediyor.<\/p>\n

Ancak 2025 y\u0131l\u0131nda kurakl\u0131ktan zarar g\u00f6ren baz\u0131 \u00fcreticilerin beyan ettikleri alanlardan \u00fcr\u00fcn elde edememeleri nedeniyle sertifika olu\u015fturmalar\u0131 da m\u00fcmk\u00fcn olmad\u0131.<\/p>\n

\u00dcreticiler, kurakl\u0131k nedeniyle tohumluk vasf\u0131n\u0131 kazanamayan alanlar\u0131n tarla kontrol raporlar\u0131yla kay\u0131t alt\u0131na al\u0131nd\u0131\u011f\u0131n\u0131 ve bu alanlara ili\u015fkin \u201ctohumluk olamaz\u201d belgelerinin bulundu\u011funu<\/strong> belirtiyor.<\/p>\n

Buna ra\u011fmen kredi ba\u015flang\u0131c\u0131nda beyan edilen miktar ile sonradan sertifikaland\u0131r\u0131labilen miktar aras\u0131ndaki fark i\u00e7in faiz talep edildi\u011fi ifade ediliyor.<\/p>\n

5 B\u0130N TON \u00dcZER\u0130NDEN KRED\u0130, 3 B\u0130N TON SERT\u0130F\u0130KA: 2 B\u0130N TONLUK FARKA FA\u0130Z<\/h3>\n

Sekt\u00f6r temsilcileri ya\u015fanan sorunu \u015fu \u00f6rnek \u00fczerinden anlatt\u0131.<\/p>\n

Bir \u00fcretici 10 bin dekar \u00fcretim alan\u0131 i\u00e7in tohumluk beyannamesi veriyor ve 5 bin ton \u00fcretim kar\u015f\u0131l\u0131\u011f\u0131 kredi kullan\u0131yor.<\/p>\n

Ancak \u00fcretim sezonunda ya\u015fanan kurakl\u0131k ve tarla kontrolleri sonras\u0131nda sertifikaland\u0131r\u0131labilir \u00fcretim 3 bin tona d\u00fc\u015f\u00fcyor.<\/p>\n

\u00dcreticilerin aktard\u0131\u011f\u0131na g\u00f6re banka, kredi kapat\u0131l\u0131rken ba\u015flang\u0131\u00e7ta krediye esas al\u0131nan 5 bin ton ile sertifikaland\u0131r\u0131labilen 3 bin ton aras\u0131ndaki 2 bin tonluk fark i\u00e7in faiz hesapl\u0131yor.<\/strong><\/p>\n

Tohum \u00fcreticilerinin tepkisi ise \u015fu noktada yo\u011funla\u015f\u0131yor:<\/p>\n

\u201cBiz 2 bin ton tohumu \u00fcretip sertifikas\u0131z olarak piyasaya satmad\u0131k. Kurakl\u0131k nedeniyle bu \u00fcr\u00fcn\u00fc zaten elde edemedik.\u201d<\/strong><\/p>\n

\u201cKURAKLIKTAN ZARAR ETT\u0130K, B\u0130R DE FA\u0130ZLE KAR\u015eILA\u015eIYORUZ\u201d<\/h3>\n

Sekt\u00f6r temsilcileri, uygulaman\u0131n \u00f6zellikle 2025 gibi a\u011f\u0131r kurakl\u0131k ya\u015fanan bir \u00fcretim y\u0131l\u0131nda ciddi ma\u011fduriyet olu\u015fturdu\u011funu belirtti.<\/p>\n

Tohum \u00fcreticileri bir taraftan ekim, g\u00fcbre, ila\u00e7, i\u015f\u00e7ilik, enerji ve finansman maliyetlerini kar\u015f\u0131lay\u0131p kurakl\u0131k nedeniyle bekledi\u011fi \u00fcr\u00fcn\u00fc alamazken, di\u011fer taraftan elde edilemeyen \u00fcretim nedeniyle sertifika sunamad\u0131\u011f\u0131 i\u00e7in faiz y\u00fck\u00fcyle kar\u015f\u0131 kar\u015f\u0131ya kald\u0131\u011f\u0131n\u0131 dile getirdi.<\/p>\n

\u00dcreticiler ya\u015fanan durumu, \u201cKurakl\u0131ktan dolay\u0131 \u00fcr\u00fcn\u00fcm\u00fcz\u00fc alamad\u0131k, \u015fimdi \u00fcretmedi\u011fimiz \u00fcr\u00fcn\u00fcn sertifikas\u0131 isteniyor. Sertifika olmad\u0131\u011f\u0131 i\u00e7in de faiz \u00e7\u0131kar\u0131l\u0131yor\u201d<\/strong> s\u00f6zleriyle \u00f6zetledi.<\/p>\n

<\/div>\n
<\/div>\n

\u00dcRET\u0130C\u0130LER: BEYANNAME DE\u011e\u0130L TARLA KONTROL RAPORU ESAS ALINSIN<\/h3>\n

Tohum \u00fcreticileri Ziraat Bankas\u0131\u2019n\u0131n kredi kapatma i\u015flemlerinde yaln\u0131zca ba\u015flang\u0131\u00e7taki tohumluk beyannamesi ile nihai sertifika miktar\u0131n\u0131 kar\u015f\u0131la\u015ft\u0131rmas\u0131n\u0131n ma\u011fduriyet olu\u015fturdu\u011funu savunuyor.<\/p>\n

Sekt\u00f6r, \u00f6zellikle \u00fcreticinin kusurundan kaynaklanmayan kay\u0131plarda Tar\u0131m ve Orman Bakanl\u0131\u011f\u0131 taraf\u0131ndan d\u00fczenlenen tarla kontrol raporlar\u0131n\u0131n da dikkate al\u0131nmas\u0131n\u0131<\/strong> talep ediyor.<\/p>\n

\u00dcreticilere g\u00f6re, Bakanl\u0131\u011f\u0131n yapt\u0131\u011f\u0131 kontrol sonucunda bir alan\u0131n kurakl\u0131k nedeniyle \u201ctohumluk olamaz\u201d oldu\u011funun resmi olarak tespit edilmesi durumunda, bu alana kar\u015f\u0131l\u0131k gelen \u00fcretimin sertifikas\u0131n\u0131n istenmemesi gerekiyor.<\/p>\n

Dolay\u0131s\u0131yla sekt\u00f6r\u00fcn talebi kredi sisteminin tamamen de\u011fi\u015ftirilmesi de\u011fil; tohumluk beyannamesi ile sertifika aras\u0131ndaki fark\u0131n nedeninin resmi belgelerle ortaya konulmas\u0131.<\/p>\n

\u201cBEYANNAME \u0130LE TARLA KONTROL RAPORU ARASINDAK\u0130 FARK FA\u0130ZE D\u00d6N\u00dc\u015eMEMEL\u0130\u201d<\/h3>\n

Sekt\u00f6r temsilcileri, sistemde bir ge\u00e7i\u015f mekanizmas\u0131na ihtiya\u00e7 bulundu\u011funa dikkat \u00e7ekerek, \u00fcreticinin kontrol\u00fc d\u0131\u015f\u0131nda ger\u00e7ekle\u015fen kay\u0131plarla di\u011fer durumlar\u0131n birbirinden ayr\u0131lmas\u0131 gerekti\u011fini belirtiyor.<\/p>\n

\u00dcreticiler, \u00f6zellikle 2025 y\u0131l\u0131 kurakl\u0131\u011f\u0131nda tarla kontrol raporuyla belgelenmi\u015f \u00fcretim kay\u0131plar\u0131n\u0131n faiz avantaj\u0131n\u0131n kaybedilmesine neden olmamas\u0131 gerekti\u011fini savunuyor.<\/p>\n

Sekt\u00f6r\u00fcn Ziraat Bankas\u0131\u2019na y\u00f6neltti\u011fi temel soru \u015f\u00f6yle…<\/p>\n

Kredi kulland\u0131r\u0131l\u0131rken tohumluk beyannamesi esas al\u0131n\u0131yorsa, kurakl\u0131k nedeniyle \u00fcretilemedi\u011fi Tar\u0131m ve Orman Bakanl\u0131\u011f\u0131\u2019n\u0131n tarla kontrol raporuyla belgelenen tohumluk miktar\u0131 neden kredi kapat\u0131l\u0131rken \u00fcretilmi\u015f gibi de\u011ferlendirilerek faiz konusu yap\u0131l\u0131yor?<\/strong><\/p>\n

2025 kurakl\u0131\u011f\u0131n\u0131n maliyetini hala ta\u015f\u0131maya \u00e7al\u0131\u015fan tohum \u00fcreticileri, Ziraat Bankas\u0131\u2019ndan uygulaman\u0131n yeniden de\u011ferlendirilmesini ve tarla kontrol raporuyla belgelenmi\u015f \u00fcretim kay\u0131plar\u0131 i\u00e7in faiz tahakkuk ettirilmemesini bekliyor.<\/p>\n

\n <\/div>","protected":false},"excerpt":{"rendered":"

Haber Merkezi \/ 2025 y\u0131l\u0131nda tar\u0131msal \u00fcretimi derinden etkileyen kurakl\u0131\u011f\u0131n faturas\u0131 tohum \u00fcreticileri a\u00e7\u0131s\u0131ndan kapanm\u0131\u015f de\u011fil. Kurakl\u0131k nedeniyle baz\u0131 b\u00f6lgelerde tohumluk \u00fcretimi i\u00e7in ekilen alanlardan beklenen \u00fcr\u00fcn al\u0131namazken, sertifikal\u0131 tohum \u00fcreticileri \u015fimdi de kulland\u0131klar\u0131 kredilerin kapat\u0131lmas\u0131 s\u0131ras\u0131nda ortaya \u00e7\u0131kan faiz y\u00fck\u00fcyle kar\u015f\u0131 kar\u015f\u0131ya kald\u0131klar\u0131n\u0131 belirtiyor. Sekt\u00f6r i\u00e7inden Tar\u0131mdan Haber\u2019e aktar\u0131lan bilgilere g\u00f6re sorun, Ziraat Bankas\u0131\u2019n\u0131n …<\/p>\n","protected":false},"author":1,"featured_media":5317,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51],"tags":[],"class_list":["post-5316","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\/5316","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=5316"}],"version-history":[{"count":0,"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/5316\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/media\/5317"}],"wp:attachment":[{"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=5316"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=5316"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/topraktaumutvar.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=5316"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}