{"id":3528,"date":"2026-10-28T19:03:06","date_gmt":"2026-10-28T17:03:06","guid":{"rendered":"https:\/\/www.praksis.org\/makale\/tuketici-kredisinin-ekonomi-politigi-turkiye-uzerine-bir-degerlendirme\/"},"modified":"2026-10-28T21:11:58","modified_gmt":"2026-10-28T19:11:58","slug":"tuketici-kredisinin-ekonomi-politigi-turkiye-uzerine-bir-degerlendirme","status":"publish","type":"praksis_makale","link":"https:\/\/www.praksis.org\/en\/makale\/tuketici-kredisinin-ekonomi-politigi-turkiye-uzerine-bir-degerlendirme\/","title":{"rendered":"T\u00fcketici Kredisinin Ekonomi Politi\u011fi: T\u00fcrkiye \u00dczerine Bir De\u011ferlendirme"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"<p>Ge\u00e7tigimiz y\u0131llarda hanehalklar\u0131n\u0131n finansal kurumlardan kredi alarak bor\u00e7lanmalar\u0131 tarihsel olarak daha \u00f6nce hi\u00e7 g\u00f6r\u00fclmemis seviyelere ulast\u0131. Marksist politik iktisat yaz\u0131n\u0131nda her ne kadar kredi ve bor\u00e7lanma, iktisadi oldugu kadar toplumsal boyutuna atfen de incelenmis olsa da, \u00fccretli \u00e7al\u0131sanlar\u0131n bor\u00e7lanmalar\u0131 \u00fczerinde yeterince durulmad\u0131g\u0131n\u0131 s\u00f6ylemek yanl\u0131s olmaz. Marksist bir perspektiften \u00fccretli \u00e7al\u0131sanlar\u0131n bor\u00e7lanmalar\u0131n\u0131 incelerken \u00f6ncelikle alt\u0131 \u00e7izilmesi gereken temel husus, bu bor\u00e7lanman\u0131n esas itibariyle emek g\u00fcc\u00fcn\u00fcn yeniden \u00fcretimini saglamak i\u00e7in yap\u0131l\u0131yor olmas\u0131 ve bu sebeple sermayedarlar aras\u0131 bor\u00e7lanma iliskilerinden farkl\u0131 \u00f6zellikler tas\u0131mas\u0131d\u0131r. Bu fark\u0131 ortaya koymak bor\u00e7lanman\u0131n emek\u00e7iler \u00fczerinde nas\u0131l bir denetim mekanizmas\u0131 olarak islev g\u00f6rd\u00fcg\u00fcn\u00fc anlama olanag\u0131 saglamas\u0131 a\u00e7\u0131s\u0131ndan da \u00f6nemlidir. Bu yaz\u0131da ama\u00e7lanan, Marksist teorinin \u00fccretli \u00e7al\u0131sanlar\u0131n bor\u00e7lanmalar\u0131n\u0131 analiz etmek i\u00e7in sundugunu olanaklar\u0131 tart\u0131smak ve ard\u0131ndan T\u00fcrkiye&#8217;de \u00fccretli \u00e7al\u0131sanlar\u0131n bor\u00e7lanmalar\u0131n\u0131n neden ve sonu\u00e7lar\u0131 \u00fczerinde durmakt\u0131r. T\u00fcrkiye \u00fczerine yap\u0131lan analizde \u00f6ncelikle bankac\u0131l\u0131k sekt\u00f6r\u00fcn\u00fcn nas\u0131l giderek bir k\u00e2r alan\u0131 olarak bireysel gelirlere y\u00f6neldigi ve bu s\u00fcre\u00e7te sekt\u00f6rde yasanan d\u00f6n\u00fcs\u00fcm ele al\u0131nmaktad\u0131r. Sonras\u0131nda kriz sonras\u0131 d\u00f6nemde hanehalk\u0131 bor\u00e7lanmas\u0131n\u0131n \u00f6zellikleri incelenmekte ve emek\u00e7ileri bor\u00e7lanmaya iten temel dinamikler \u00fczerinde durulmaktad\u0131r. Meselenin arz ve talep taraflar\u0131na dair yap\u0131lan bu iki y\u00f6nl\u00fc degerlendirme hem bankac\u0131l\u0131k sekt\u00f6r\u00fc ve \u00fccretli \u00e7al\u0131sanlar aras\u0131ndaki esitsiz iliskinin giderek nas\u0131l derinlestigini g\u00f6stermesi hem de artan bor\u00e7lanman\u0131n sonucu olarak emek\u00e7ilerin sermayeye olan bag\u0131ml\u0131l\u0131klar\u0131n\u0131n nas\u0131l daha da artt\u0131g\u0131n\u0131 ortaya koymas\u0131 bak\u0131m\u0131ndan \u00f6nemlidir.<\/p>\n","protected":false},"template":"","praksis_konu":[81],"praksis_yazar":[650],"praksis_anahtar":[],"class_list":["post-3528","praksis_makale","type-praksis_makale","status-publish","hentry","praksis_konu-iktisat","praksis_yazar-elif-karacimen-kose"],"_links":{"self":[{"href":"https:\/\/www.praksis.org\/en\/wp-json\/wp\/v2\/praksis_makale\/3528","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.praksis.org\/en\/wp-json\/wp\/v2\/praksis_makale"}],"about":[{"href":"https:\/\/www.praksis.org\/en\/wp-json\/wp\/v2\/types\/praksis_makale"}],"version-history":[{"count":1,"href":"https:\/\/www.praksis.org\/en\/wp-json\/wp\/v2\/praksis_makale\/3528\/revisions"}],"predecessor-version":[{"id":4339,"href":"https:\/\/www.praksis.org\/en\/wp-json\/wp\/v2\/praksis_makale\/3528\/revisions\/4339"}],"wp:attachment":[{"href":"https:\/\/www.praksis.org\/en\/wp-json\/wp\/v2\/media?parent=3528"}],"wp:term":[{"taxonomy":"praksis_konu","embeddable":true,"href":"https:\/\/www.praksis.org\/en\/wp-json\/wp\/v2\/praksis_konu?post=3528"},{"taxonomy":"praksis_yazar","embeddable":true,"href":"https:\/\/www.praksis.org\/en\/wp-json\/wp\/v2\/praksis_yazar?post=3528"},{"taxonomy":"praksis_anahtar","embeddable":true,"href":"https:\/\/www.praksis.org\/en\/wp-json\/wp\/v2\/praksis_anahtar?post=3528"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}