Benim i\u00e7in bir Pazar Klasi\u011fi ve G\u00fcndeme Dair K\u00f6\u015fesi ile neler \u00e7\u0131kt\u0131 kalemimden hep birlikte bakal\u0131m. <\/p>\n\n\n\n
G\u00fcndemde neler vard\u0131 ge\u00e7ti\u011fimiz hafta \u015f\u00f6yle bir g\u00f6z atal\u0131m. <\/p>\n\n\n\n
\ud83d\udc49Yeni y\u0131l ba\u015flad\u0131 ama\u2026<\/p>\n\n\n\n
\ud83d\udc49Kredi Derecelendirme Kurulu\u015flar\u0131n\u0131n T\u00fcrkiye Takvimi Belli Oldu.<\/p>\n\n\n\n
\ud83d\udc49Merkez Bankas\u0131ndan \u201charcama yapmay\u0131n, fotosentez yap\u0131n\u201duyar\u0131s\u0131 <\/p>\n\n\n\n
Haydi ba\u015flayal\u0131m.<\/p>\n\n\n\n
Yeni y\u0131la \u00e7ok h\u0131zl\u0131 bir giri\u015f yapt\u0131k. Yapt\u0131k yapmas\u0131na da de\u011fi\u015fen bir \u015fey var m\u0131? <\/p>\n\n\n\n
Asgari \u00fccret meselesi tam bir ay s\u00fcrd\u00fc. Tart\u0131\u015fmalar, dedikodular derken rakam belli oldu. Tabi hemen ard\u0131ndan zam haberleri ile dar gelirli yine h\u00fcsrana u\u011frad\u0131. <\/p>\n\n\n\n
Ba\u015fta devlet taraf\u0131ndan yeniden de\u011ferleme oran\u0131na yap\u0131lan %44 l\u00fck zamm\u0131n alt\u0131nda kalan ve can\u0131 \u00e7\u0131kan dar gelirli, yap\u0131lan %30 asgari \u00fccret art\u0131\u015f\u0131 ile neye nas\u0131l yeti\u015fece\u011fini \u015fimdiden \u015fa\u015f\u0131rm\u0131\u015f durumda. <\/p>\n\n\n\n
Oysa Per\u015fembenin geli\u015fi belliydi \u00c7ar\u015fambadan. \u00c7ok zor olaca\u011f\u0131 bilinen 2025 y\u0131l\u0131 \u015fimdiden \u00e7ok \u00e7ok zor olmaya namzet halde. <\/p>\n\n\n\n
Birde bu hafta enterasan bir geli\u015fme daha ya\u015fand\u0131. Artt\u0131\u011f\u0131 iddia edilen asgari \u00fccret ve 2024 y\u0131l\u0131ndan enkaz halde \u00e7\u0131kan ba\u015fta dar gelirli vatanda\u015f, bakt\u0131 gelir yetmiyor tabi kredi kartlar\u0131na y\u00fckleniyor. Bu durum da Merkez Bankas\u0131n\u0131 rahats\u0131z etmi\u015f olacak ki, kredi kart\u0131 kullan\u0131mlar\u0131n\u0131 s\u0131n\u0131rland\u0131racak bir hamle geliyormu\u015f. <\/p>\n\n\n\n
Oldu olacak, sofram\u0131zda ne yedi\u011fimize, ne i\u00e7ti\u011fimize, kiminle gezdi\u011fimizi de m\u00fcdahale edin olsun bitsin. <\/p>\n\n\n\n
Ak\u0131l tutulmas\u0131 ya\u015famamak elde de\u011fil. \u0130nsanlar ku\u015f kadar yap\u0131lan zam kar\u015f\u0131s\u0131nda ezildik\u00e7e yetiremedi\u011fi masraflar\u0131 i\u00e7in cidden zevkine de de\u011fil \u00fcstelik, kredi kart\u0131ndan harc\u0131yordur. <\/p>\n\n\n\n
Kald\u0131 ki bu kartlarla sizce ne al\u0131n\u0131yor? \u0130nsanlar sofras\u0131na koyaca\u011f\u0131 mutlak al\u0131\u015fveri\u015fini, \u00e7ocu\u011funun k\u0131yafetini, faturalar\u0131n\u0131 \u00f6demesin mi? <\/p>\n\n\n\n
Bir \u00fclke d\u00fc\u015f\u00fcn\u00fcn ki, ev kiras\u0131 baz seviyede belirlenmi\u015f asgari \u00fccretin \u00e7ok \u00e7ok \u00fczerinde. Ne yaps\u0131n insanlar mesela \u00e7als\u0131n m\u0131? <\/p>\n\n\n\n
Ortaya koydu\u011funuz ekonomi modeli ile belki de 10 y\u0131l geriye giden \u00fclke ekonomisinin cezas\u0131n\u0131 hem halk \u00f6desin, hemde kredi kart\u0131 harcamas\u0131 artarsa enflasyon y\u00fckselir bak\u0131n. <\/p>\n\n\n\n
L\u00fctfen yeter ya, cidden yeter. \u00d6nce enflasyonun mevcudiyetini kabul edip yeni ka\u011f\u0131t banknot mu bassan\u0131z mesela. <\/p>\n\n\n\n
Enflasyonu dizginleyecek \u00f6nlem alaca\u011f\u0131m derken yetmeyen gelirler kar\u015f\u0131s\u0131nda insanlar\u0131n g\u0131da al\u0131\u015fveri\u015fine, \u00e7ocu\u011funa alaca\u011f\u0131 k\u0131yafete kar\u0131\u015fmasan\u0131z m\u0131? Siz \u00fclkeyi y\u00f6netecek ki\u015fi veya kurumlar, kemerdeki son deli\u011fe geleli \u00e7ok oldu, g\u00f6rmelisiniz ki insanlar art\u0131k sofralar\u0131ndan yar\u0131 a\u00e7 kalk\u0131yor. Zaten bir kemeri de kilo ald\u0131k\u00e7a de\u011fil zay\u0131flad\u0131k\u00e7a daha \u00e7ok s\u0131kars\u0131n\u0131z. <\/p>\n\n\n\n
Uluslararas\u0131 Kredi Derecelendirme Kurulu\u015flar\u0131n\u0131n, \u00fclkelerin not g\u00f6r\u00fcn\u00fcm\u00fc, yat\u0131r\u0131m yap\u0131labilirlik seviyeleri ve \u00fclkelere ait ekonomik g\u00f6stergelere ili\u015fkin yapt\u0131klar\u0131 analiz \u00e7al\u0131\u015fmalar\u0131n\u0131 i\u00e7eren raporlamalar\u0131 yay\u0131nlayacaklar\u0131 tarihler belli oldu. \u00dclkeler i\u00e7in genel kabul g\u00f6ren ve \u00f6zellikle yat\u0131r\u0131m yap\u0131labilirlik seviyeleri a\u00e7\u0131s\u0131ndan b\u00fcy\u00fck \u00f6neme sahip not g\u00f6r\u00fcn\u00fcmleri i\u00e7in 3 b\u00fcy\u00fck derecelendirme kurulu\u015fu olan, Fitch Ratings, Moody\u2019s ve Standart &Poor\u2019s kurulu\u015flar\u0131n\u0131n T\u00fcrkiye takvimi netle\u015fti. <\/p>\n\n\n\n
Moody’s’in 2025 y\u0131l\u0131na ili\u015fkin “\u00dclkelerin Kredi Derecelendirme \u0130nceleme Takvimi”ne g\u00f6re, T\u00fcrkiye\u2019nin kredi notu ve g\u00f6r\u00fcn\u00fcm\u00fcn\u00fcn 24 Ocak ve 25 Temmuz tarihlerinde g\u00f6zden ge\u00e7irilmesi \u00f6ng\u00f6r\u00fcl\u00fcyor.<\/p>\n\n\n\n
Fitch Ratings\u2019in 2025 y\u0131l\u0131na ili\u015fkin takvimine g\u00f6re T\u00fcrkiye\u2019nin kredi notu ve g\u00f6r\u00fcn\u00fcm\u00fcn\u00fcn 31 Ocak ve 25 Temmuz tarihlerinde g\u00f6zden ge\u00e7irilmesi bekleniyor.<\/p>\n\n\n\n
Standard & Poor\u2019s\u2019un (S&P Global) de\u011ferlendirme takviminde de T\u00fcrkiye’nin kredi notu ve g\u00f6r\u00fcn\u00fcm\u00fcn\u00fcn 25 Nisan ve 17 Ekim tarihlerinde g\u00f6zden ge\u00e7irilebilece\u011fi belirtiliyor.<\/p>\n\n\n\n
2024 y\u0131l\u0131nda 3 derecelendirme kurulu\u015funun T\u00fcrkiye i\u00e7in yapt\u0131\u011f\u0131 de\u011ferlendirmede tablo \u015fu \u015fekilde idi. <\/p>\n\n\n\n
Moody’s, halihaz\u0131rda T\u00fcrkiye’nin kredi notunu “B1” ve not g\u00f6r\u00fcn\u00fcm\u00fcn\u00fc “pozitif” olarak de\u011ferlendiriyor.<\/p>\n\n\n\n
T\u00fcrkiye’ye y\u00f6nelik son revizyonunu 9 Eyl\u00fcl\u2019de yapan Fitch Ratings de \u00fclkenin kredi notunu “B+”dan “BB-“ye y\u00fckseltirken, not g\u00f6r\u00fcn\u00fcm\u00fcn\u00fc dura\u011fan olarak belirlemi\u015fti.<\/p>\n\n\n\n
S&P Global ise 1 Kas\u0131m tarihinde T\u00fcrkiye’nin kredi notunu “B+”dan, “BB-“ye y\u00fckseltirken, g\u00f6r\u00fcn\u00fcm\u00fcn\u00fc “pozitif”ten “dura\u011fan”a revize etmi\u015fti.<\/p>\n\n\n\n
T\u00fcrkiye, d\u00fcnyadaki 3 kredi derecelendirme kurulu\u015funun 2 defa not artt\u0131rd\u0131\u011f\u0131 tek \u00fclke konumunda bulunuyor.<\/p>\n\n\n\n
Herkese g\u00fczel bir hafta diliyorum. <\/p>\n","protected":false},"excerpt":{"rendered":"
Benim i\u00e7in bir Pazar Klasi\u011fi ve G\u00fcndeme Dair K\u00f6\u015fesi ile neler \u00e7\u0131kt\u0131 kalemimden hep birlikte bakal\u0131m. G\u00fcndemde neler vard\u0131 ge\u00e7ti\u011fimiz hafta…<\/p>\n","protected":false},"author":1,"featured_media":1418,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-1460","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ozgun-yazilar"],"_links":{"self":[{"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/posts\/1460","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/comments?post=1460"}],"version-history":[{"count":1,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/posts\/1460\/revisions"}],"predecessor-version":[{"id":1461,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/posts\/1460\/revisions\/1461"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/media\/1418"}],"wp:attachment":[{"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/media?parent=1460"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/categories?post=1460"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/tags?post=1460"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}