{"id":65167,"date":"2026-08-19T13:26:49","date_gmt":"2026-08-19T10:26:49","guid":{"rendered":"https:\/\/ayyildizgundem.net\/?p=65167"},"modified":"2026-08-19T13:26:49","modified_gmt":"2026-08-19T10:26:49","slug":"fethiye-esnaf-kefaletten-esnafa-pes-pese-mujde-limit-15-milyon-tl","status":"publish","type":"post","link":"https:\/\/ayyildizgundem.net\/index.php\/2026\/08\/19\/fethiye-esnaf-kefaletten-esnafa-pes-pese-mujde-limit-15-milyon-tl\/","title":{"rendered":"FETH\u0130YE ESNAF KEFALET\u2019TEN ESNAFA PE\u015e PE\u015eE M\u00dcJDE: L\u0130M\u0130T \u20181,5 M\u0130LYON TL\u2019"},"content":{"rendered":"

Fethiye Esnaf Sanatkarlar Kredi ve Kefalet Kooperatifi Ba\u015fkan\u0131 \u0130smail Ba\u015fo\u011flu, Ankara\u2019da ger\u00e7ekle\u015ftirilen g\u00f6r\u00fc\u015fmelerin ard\u0131ndan esnaf\u0131 ilgilendiren \u00f6nemli geli\u015fmeleri a\u00e7\u0131klad\u0131. Ba\u011f-Kur ve SGK borcu bulunan esnaf\u0131n yeniden kredi kullanabilmesinin \u00f6n\u00fcn\u00fcn a\u00e7\u0131laca\u011f\u0131n\u0131 belirten Ba\u015fo\u011flu, kredi limitlerinin de 1,5 milyon liraya y\u00fckseltildi\u011fini s\u00f6yledi.<\/p>\n

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Fethiye Esnaf Sanatkarlar Kredi ve Kefalet Kooperatifi Ba\u015fkan\u0131 \u0130smail Ba\u015fo\u011flu, kooperatifin son d\u00f6nemdeki \u00e7al\u0131\u015fmalar\u0131 ve esnaf\u0131 yak\u0131ndan ilgilendiren yeni d\u00fczenlemeler hakk\u0131nda a\u00e7\u0131klamalarda bulundu. Ge\u00e7ti\u011fimiz hafta sonu Merkez Birli\u011fi ve Genel Ba\u015fkan\u0131n davetiyle Ankara\u2019da ger\u00e7ekle\u015ftirilen toplant\u0131ya kat\u0131lan Ba\u015fo\u011flu, burada al\u0131nan kararlar\u0131 Fethiye ve Seydikemer\u2019deki ortaklarla payla\u015fmak \u00fczere kamuoyunun kar\u015f\u0131s\u0131na \u00e7\u0131kt\u0131. Ba\u015fo\u011flu\u2019nun a\u00e7\u0131klamas\u0131nda esnaf a\u00e7\u0131s\u0131ndan en dikkat \u00e7ekici geli\u015fme ise Ba\u011f-Kur ve SGK bor\u00e7lar\u0131n\u0131n kredi kullan\u0131m\u0131nda engel olmaktan \u00e7\u0131kar\u0131lmas\u0131 oldu.<\/p>\n

BA\u011e-KUR VE SGK BORCU OLAN ESNAF DA KRED\u0130 KULLANAB\u0130LECEK<\/strong><\/p>\n

Yakla\u015f\u0131k bir y\u0131ld\u0131r kredi ba\u015fvurular\u0131nda esnaf\u0131n Ba\u011f-Kur ve SGK bor\u00e7lar\u0131n\u0131n sorguland\u0131\u011f\u0131n\u0131 ve borcu bulunan esnaf\u0131n kredi kullanamad\u0131\u011f\u0131n\u0131 belirten Ba\u015fo\u011flu, yap\u0131lan g\u00f6r\u00fc\u015fmeler sonucunda uygulaman\u0131n de\u011fi\u015fece\u011fini s\u00f6yledi. \u0130smail Ba\u015fo\u011flu, \u201cYakla\u015f\u0131k bir y\u0131ldan bu yana kredi verirken esnaf\u0131m\u0131z\u0131n Ba\u011f-Kur ve SGK bor\u00e7lar\u0131n\u0131 sorguluyorduk. Ba\u011f-Kur ve SGK\u2019ya borcu olan esnaf\u0131m\u0131z\u0131n kredisini vermiyorduk. Genel Ba\u015fkan\u0131m\u0131z\u0131n Cumhurba\u015fkan\u0131m\u0131z, Maliye Bakan\u0131m\u0131z ve SGK Genel M\u00fcd\u00fcr\u00fcm\u00fczle yapt\u0131\u011f\u0131 g\u00f6r\u00fc\u015fmeler sonucunda bundan b\u00f6yle Ba\u011f-Kur ve SGK bor\u00e7lar\u0131 sorgulanmadan kredi i\u015flemlerini tekrar yapmaya ba\u015flayaca\u011f\u0131z\u201d dedi.<\/p>\n

Konuyla ilgili genelgenin imza a\u015famas\u0131nda oldu\u011funu belirten Ba\u015fo\u011flu, d\u00fczenlemenin y\u00fcr\u00fcrl\u00fc\u011fe girmesiyle birlikte borcu bulunan esnaf\u0131n da kredi kullanabilece\u011fini ifade etti. Ba\u015fo\u011flu ayr\u0131ca, SGK ve Ba\u011f-Kur borcu bulunan esnafa uygulanacak kredi oran\u0131nda y\u00fczde 5\u2019lik bir art\u0131\u015f olaca\u011f\u0131n\u0131 belirterek, ayr\u0131nt\u0131lar\u0131n genelgenin yay\u0131mlanmas\u0131n\u0131n ard\u0131ndan a\u00e7\u0131klanaca\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n

FETH\u0130YE\u2019YE DAHA FAZLA KRED\u0130 PLASMANI S\u00d6Z\u00dc<\/strong><\/p>\n

Fethiye Esnaf Kefalet Kooperatifi\u2019nin b\u00f6lgesindeki g\u00fc\u00e7l\u00fc konumuna da dikkat \u00e7eken Kooperatif Ba\u015fkan\u0131 Ba\u015fo\u011flu, kooperatifin kulland\u0131rd\u0131\u011f\u0131 kredi miktar\u0131n\u0131n 800 milyon liraya, ortak say\u0131s\u0131n\u0131n ise 3 bin 375\u2019e ula\u015ft\u0131\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131. Ayd\u0131n ve Mu\u011fla b\u00f6lgesindeki 42 kooperatif aras\u0131nda en fazla kredi kulland\u0131ran ve en fazla orta\u011fa sahip kooperatif olduklar\u0131n\u0131 belirten Ba\u015fo\u011flu, kredi tahsislerinin yetersiz kalmas\u0131 nedeniyle baz\u0131 ortaklar\u0131n kredi kullanmak i\u00e7in \u00fc\u00e7 aya kadar bekledi\u011fini s\u00f6yledi. Ankara\u2019daki g\u00f6r\u00fc\u015fmelerde Fethiye i\u00e7in daha fazla plasman talebinde bulunduklar\u0131n\u0131 ifade eden Ba\u015fo\u011flu, \u201cGenel Ba\u015fkan\u0131m\u0131zla g\u00f6r\u00fc\u015fmemizin sonucunda Fethiye Esnaf Kefalet Kooperatifimize bir \u00f6ncelik tan\u0131yaca\u011f\u0131n\u0131 ve daha fazla plasman ay\u0131raca\u011f\u0131n\u0131n s\u00f6z\u00fcn\u00fc verdiler. Kendilerine b\u00fct\u00fcn ortaklar\u0131m\u0131z ad\u0131na te\u015fekk\u00fcr ediyorum\u201d dedi. Ba\u015fo\u011flu kooperatifin hem Fethiye, hem de Seydikemer\u2019deki esnafa hizmet verdi\u011fini belirterek, artacak plasmanla birlikte kredi taleplerinin daha h\u0131zl\u0131 kar\u015f\u0131lanmas\u0131n\u0131 hedeflediklerini s\u00f6yledi.<\/p>\n

ESNAFIN \u00d6DEME PERFORMANSI Y\u00dcKSELD\u0130<\/strong><\/p>\n

Kooperatif ortaklar\u0131n\u0131n kredi geri \u00f6demelerinde de \u00f6nemli bir iyile\u015fme ya\u015fand\u0131\u011f\u0131n\u0131 dile getiren \u0130smail Ba\u015fo\u011flu, esnaf\u0131n bor\u00e7lar\u0131n\u0131 zaman\u0131nda \u00f6deme konusunda daha dikkatli hale geldi\u011fini ifade etti. Ba\u015fo\u011flu, \u201cBug\u00fcn 100 lira borcu olan bir esnaf\u0131m\u0131z 85 liras\u0131n\u0131 an\u0131nda \u00f6d\u00fcyor, 15 liras\u0131n\u0131 ge\u00e7 \u00f6d\u00fcyor. Bundan 2-3 sene \u00f6nce 100 liral\u0131k borcun yakla\u015f\u0131k 30 liras\u0131 ge\u00e7 \u00f6deniyordu\u201d diyerek, ortaklara g\u00f6sterdikleri \u00f6zen ve dikkat nedeniyle te\u015fekk\u00fcr etti.<\/p>\n

KRED\u0130 L\u0130M\u0130T\u0130 1,5 M\u0130LYON L\u0130RAYA Y\u00dcKSELD\u0130<\/strong><\/p>\n

Esnaf\u0131 ilgilendiren bir di\u011fer \u00f6nemli de\u011fi\u015fikli\u011fin ise kredi limitlerinde yap\u0131ld\u0131\u011f\u0131n\u0131 belirten Ba\u015fo\u011flu, daha \u00f6nce 1 milyon lira olan kredi \u00fcst limitinin 1,5 milyon liraya \u00e7\u0131kar\u0131ld\u0131\u011f\u0131n\u0131 a\u00e7\u0131klad\u0131. Ancak her esnaf\u0131n ayn\u0131 miktarda kredi kullanamayaca\u011f\u0131n\u0131 belirten Ba\u015fo\u011flu, limitlerin esnaf\u0131n faaliyet alan\u0131na g\u00f6re de\u011fi\u015fti\u011fini s\u00f6yledi. Ba\u015fo\u011flu, \u201cBaz\u0131 esnaf\u0131m\u0131z 800 bin, baz\u0131 esnaf\u0131m\u0131z 1 milyon, baz\u0131 esnaf\u0131m\u0131z da 1,5 milyon liraya kadar kredi kullanabilecek. Bunun belirlenmesinde NACE kodlar\u0131 esas al\u0131n\u0131yor. Esnaf odas\u0131na kay\u0131t s\u0131ras\u0131nda herkesin bir NACE kodu var ve kredi limitleri de bu kodlara g\u00f6re bakanl\u0131\u011f\u0131m\u0131z taraf\u0131ndan belirleniyor\u201d ifadelerini kulland\u0131. NACE kodlar\u0131na g\u00f6re belirlenen baz\u0131 kredi limitlerinin de art\u0131r\u0131ld\u0131\u011f\u0131n\u0131 belirten Ba\u015fo\u011flu, daha \u00f6nce 400 bin lira olan baz\u0131 limitlerin 800 bin liraya kadar y\u00fckseltildi\u011fini s\u00f6yledi.<\/p>\n

TARIMSAL TA\u015eINMAZLARIN TEM\u0130NAT OLARAK KULLANILMASI KONUSUNDA \u0130T\u0130RAZ<\/strong><\/p>\n

\u00d6te yandan Ba\u015fo\u011flu, son d\u00f6nemde yap\u0131lan ve esnaf a\u00e7\u0131s\u0131ndan olumsuz oldu\u011funu d\u00fc\u015f\u00fcnd\u00fckleri bir ba\u015fka d\u00fczenlemeye de dikkat \u00e7ekti. Yakla\u015f\u0131k 15 g\u00fcnd\u00fcr uygulanan yeni d\u00fczenlemeye g\u00f6re, yerle\u015fim s\u0131n\u0131rlar\u0131 d\u0131\u015f\u0131nda bulunan tar\u0131msal ama\u00e7l\u0131 bah\u00e7e ve tarlalar\u0131n kredi teminat\u0131 olarak ipotek al\u0131namad\u0131\u011f\u0131n\u0131 belirten Ba\u015fo\u011flu, bu durumun \u00f6zellikle k\u0131rsal b\u00f6lgelerde faaliyet g\u00f6steren esnaf\u0131 zorlayabilece\u011fini s\u00f6yledi. Ba\u015fo\u011flu, \u201c\u00c7ok orta\u011f\u0131m\u0131z\u0131n mal varl\u0131\u011f\u0131 tar\u0131msal ama\u00e7l\u0131 oldu\u011fundan art\u0131k bunlara ipotek veremeyecekler. Veremeyince de ba\u015fka teminat vermek zorunda kalacaklar. Bunun ortaklar\u0131m\u0131z a\u00e7\u0131s\u0131ndan iyi olmad\u0131\u011f\u0131n\u0131 d\u00fc\u015f\u00fcn\u00fcyorum. Bununla ilgili itirazlar\u0131m\u0131z var. Umar\u0131m dikkate al\u0131n\u0131r ve bunu da tekrar a\u015far\u0131z\u201d dedi.<\/p>\n

Ba\u015fo\u011flu, Fethiye Esnaf Kefalet Kooperatifi olarak kredi taleplerini kar\u015f\u0131lamaya devam ettiklerini belirterek, Ankara\u2019daki son g\u00f6r\u00fc\u015fmelerin ard\u0131ndan daha g\u00fc\u00e7l\u00fc bir plasman ak\u0131\u015f\u0131 beklediklerini ve \u00f6n\u00fcm\u00fczdeki d\u00f6nemde kredilerin daha h\u0131zl\u0131 kulland\u0131r\u0131lmas\u0131n\u0131 hedeflediklerini ifade etti.<\/p>\n","protected":false},"excerpt":{"rendered":"

Fethiye Esnaf Sanatkarlar Kredi ve Kefalet Kooperatifi Ba\u015fkan\u0131 \u0130smail Ba\u015fo\u011flu, Ankara\u2019da ger\u00e7ekle\u015ftirilen g\u00f6r\u00fc\u015fmelerin ard\u0131ndan esnaf\u0131 ilgilendiren \u00f6nemli geli\u015fmeleri a\u00e7\u0131klad\u0131. Ba\u011f-Kur ve SGK borcu bulunan esnaf\u0131n yeniden kredi kullanabilmesinin \u00f6n\u00fcn\u00fcn a\u00e7\u0131laca\u011f\u0131n\u0131 belirten Ba\u015fo\u011flu, kredi limitlerinin de 1,5 milyon liraya y\u00fckseltildi\u011fini s\u00f6yledi. Fethiye Esnaf Sanatkarlar Kredi ve Kefalet Kooperatifi Ba\u015fkan\u0131 \u0130smail Ba\u015fo\u011flu, kooperatifin son d\u00f6nemdeki \u00e7al\u0131\u015fmalar\u0131 ve …<\/p>\n","protected":false},"author":1,"featured_media":65168,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[1191,219,85,589],"class_list":["post-65167","post","type-post","status-publish","format-standard","has-post-thumbnail","","category-genel","tag-ayyildiz-gundem","tag-esnaf","tag-fethiye","tag-kredi"],"_links":{"self":[{"href":"https:\/\/ayyildizgundem.net\/index.php\/wp-json\/wp\/v2\/posts\/65167","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ayyildizgundem.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ayyildizgundem.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ayyildizgundem.net\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ayyildizgundem.net\/index.php\/wp-json\/wp\/v2\/comments?post=65167"}],"version-history":[{"count":1,"href":"https:\/\/ayyildizgundem.net\/index.php\/wp-json\/wp\/v2\/posts\/65167\/revisions"}],"predecessor-version":[{"id":65169,"href":"https:\/\/ayyildizgundem.net\/index.php\/wp-json\/wp\/v2\/posts\/65167\/revisions\/65169"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ayyildizgundem.net\/index.php\/wp-json\/wp\/v2\/media\/65168"}],"wp:attachment":[{"href":"https:\/\/ayyildizgundem.net\/index.php\/wp-json\/wp\/v2\/media?parent=65167"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ayyildizgundem.net\/index.php\/wp-json\/wp\/v2\/categories?post=65167"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ayyildizgundem.net\/index.php\/wp-json\/wp\/v2\/tags?post=65167"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}