7 b\u00f6lge, 26 ildeki bin 650 ki\u015fiyle g\u00f6r\u00fc\u015f\u00fclerek yap\u0131lan ara\u015ft\u0131rmaya g\u00f6re, kamuoyunun y\u00fczde 13,8’inin tasarruf kayg\u0131s\u0131 ta\u015f\u0131mad\u0131\u011f\u0131n\u0131 belirten G\u00fcmr\u00fck ve Ticaret Bakan\u0131 B\u00fclent T\u00fcfenkci, ki\u015filerin y\u00fczde 86,4’\u00fcn\u00fcn son bir y\u0131l i\u00e7inde tasarruf yapmad\u0131\u011f\u0131n\u0131, ortalama tasarruf tutar\u0131n\u0131n ayl\u0131k gelirin yakla\u015f\u0131k 5’te 1’i oldu\u011funu s\u00f6yledi.<\/p>\n
T\u00fcfenkci, tasarruf yapanlar\u0131n y\u00fczde 37’sinin ayl\u0131k gelirlerinin y\u00fczde 10’undan az\u0131n\u0131, y\u00fczde 36’s\u0131n\u0131n ise y\u00fczde 21’inden fazlas\u0131n\u0131 tasarrufa ay\u0131rd\u0131\u011f\u0131na i\u015faret ederek, “T\u00fcrk liras\u0131 ve d\u00f6viz tasarruflar\u0131n\u0131n y\u00fczde 20’si evde nakit olarak saklan\u0131yor. Tasarruf yapt\u0131\u011f\u0131n\u0131 belirtenlerin y\u00fczde 36,2’si banka mevduat\u0131, y\u00fczde 35,3’\u00fc alt\u0131nla tasarruflar\u0131n\u0131 de\u011ferlendiriyor. \u00d6zellikle alt\u0131n\u0131n evde saklanma oran\u0131 y\u00fczde 77,2 gibi y\u00fcksek d\u00fczeyde” dedi.<\/p>\n
Kredi kullananlar\u0131n ortalama borcu bin 160 lira<\/strong><\/p>\n T\u00fcrk halk\u0131n\u0131n bor\u00e7lanma davran\u0131\u015flar\u0131na ili\u015fkin sonu\u00e7lar\u0131 aktaran T\u00fcfenkci, \u015f\u00f6yle konu\u015ftu:<\/p>\n “Hane halk\u0131n\u0131n y\u00fczde 45’i kredi kart\u0131 sahibi, y\u00fczde 10’unun banka kredisi borcu var. Banka kredisi kullananlar\u0131n ortalama ayl\u0131k bin 160 lira kredi borcu bulunuyor. Kredi kart\u0131 sahiplerinin yar\u0131dan \u00e7o\u011funun (y\u00fczde 65,5) bir, y\u00fczde 23,1’inin iki kredi kart\u0131 var. Aktif kullan\u0131lan kredi kart\u0131 say\u0131s\u0131 ortalama 1,4 oldu. Bireylerin ayl\u0131k ortalama kredi kart\u0131 borcu 969,7 lira olarak belirlenirken, y\u00fczde 22,7’sinin bin liradan fazla borcu bulunuyor.”<\/p>\n G\u0131da al\u0131\u015fveri\u015finde ihtiya\u00e7 listesine uyulmuyor<\/strong><\/p>\n T\u00fcfenkci, enerji t\u00fcketimine ili\u015fkin ara\u015ft\u0131rmadan \u00e7\u0131kan sonu\u00e7lar\u0131 de\u011ferlendirirken, \u00e7ama\u015f\u0131r ve bula\u015f\u0131k makinesi sahiplerinin y\u00fczde 80’inin bunlar\u0131 kulland\u0131\u011f\u0131n\u0131 dile getirdi. Bula\u015f\u0131k makinesi kullanman\u0131n elde y\u0131kamaya g\u00f6re 2 ile 13 kat su tasarrufu sa\u011flad\u0131\u011f\u0131n\u0131n alt\u0131n\u0131 \u00e7izen T\u00fcfenkci, \u015f\u00f6yle devam etti:<\/p>\n “G\u00fcnd\u00fcz lambalar\u0131 a\u00e7ma e\u011filiminin \u00e7ok az oldu\u011fu ve g\u00fcn \u0131\u015f\u0131\u011f\u0131ndan faydalanman\u0131n yayg\u0131nl\u0131\u011f\u0131 g\u00f6zlendi. Elektrikli aletlerin fi\u015fini \u00e7ekmek ve bak\u0131m\u0131n\u0131 yapmak, elektrik tasarrufuyla ilgili bilin\u00e7 seviyesinin en d\u00fc\u015f\u00fck oldu\u011fu unsurlar oldu. Kat\u0131l\u0131mc\u0131lar aras\u0131nda tasarruflu ampul kullan\u0131lmas\u0131na ve elektrikli \u00fcr\u00fcn sat\u0131n al\u0131rken enerji verimlili\u011finin y\u00fcksek olmas\u0131na dikkat edildi\u011fi g\u00f6r\u00fcld\u00fc. Bireylerin y\u00fczde 69,7’sinin evinin \u0131s\u0131nma \u015feklinin do\u011falgaz oldu\u011fu, bunu k\u00f6m\u00fcr (y\u00fczde 20,1) ve elektrik\/kliman\u0131n (y\u00fczde 9,9) izledi\u011fi belirlendi. Do\u011falgaz kullananlar\u0131n y\u00fczde 67’si ise tasarruf a\u00e7\u0131s\u0131ndan bunu tercih etti\u011fini belirtmi\u015ftir.”<\/p>\n “Y\u00fczde 60, gideri gelirinden fazla olunca bor\u00e7 al\u0131yor”<\/strong><\/p>\n Yemekleri t\u00fcketece\u011fi kadar pi\u015firmenin ve g\u0131dalar\u0131 ihtiyac\u0131 kadar sat\u0131n alman\u0131n ise g\u0131da tasarrufu konusunda en \u00e7ok sergilenen davran\u0131\u015f oldu\u011funa dikkat \u00e7eken T\u00fcfenkci, g\u0131da al\u0131\u015fveri\u015fine \u00e7\u0131kmadan \u00f6nce al\u0131\u015fveri\u015f listesi haz\u0131rlaman\u0131n, bu listeye uygun bi\u00e7imde al\u0131\u015fveri\u015fi tamamlaman\u0131n ve artan g\u0131day\u0131 de\u011ferlendirmenin bilin\u00e7 d\u00fczeyinin art\u0131r\u0131lmas\u0131 gereken alanlar oldu\u011funu s\u00f6yledi.<\/p>\n T\u00fcfenkci, t\u00fcketicilerin giyim al\u0131\u015fveri\u015finden \u00f6nce fiyat ve kalite kar\u015f\u0131la\u015ft\u0131rmas\u0131 duyarl\u0131l\u0131\u011f\u0131nda olmas\u0131na ra\u011fmen, giyim kategorisinde ihtiya\u00e7 d\u0131\u015f\u0131 t\u00fcketimin olduk\u00e7a y\u00fcksek oldu\u011funu belirtti. Her 10 ki\u015fiden 6’s\u0131n\u0131n ihtiya\u00e7 d\u0131\u015f\u0131nda \u00fcr\u00fcn sat\u0131n ald\u0131\u011f\u0131n\u0131 ve dolab\u0131nda \u00e7ok az giyilen giysiler bulundu\u011funu vurgulayan T\u00fcfenkci, gelir ve gider kar\u015f\u0131la\u015ft\u0131rmas\u0131na ili\u015fkin ise \u015funlar\u0131 payla\u015ft\u0131:<\/p>\n “Toplumun y\u00fczde 60’\u0131 giderinin gelirinden fazla olmas\u0131 halinde yak\u0131nlar\u0131ndan bor\u00e7 al\u0131yor. Hane halk\u0131n\u0131n y\u00fczde 33’\u00fc bor\u00e7lanma y\u00f6ntemi olarak kredi kart\u0131n\u0131 kullan\u0131yor. Hane halk\u0131n\u0131n y\u00fczde 60’\u0131 olas\u0131 gelir art\u0131\u015f\u0131n\u0131 tasarruf yaparak de\u011ferlendirebilece\u011fini belirtirken, y\u00fczde 40’\u0131 harcamalar\u0131n\u0131 art\u0131raca\u011f\u0131n\u0131 \u00f6ng\u00f6r\u00fcyor. Vatanda\u015flar taraf\u0131ndan ayl\u0131k giderleri azaltmak i\u00e7in \u00f6ncelikle fatura tutarlar\u0131n\u0131n azalt\u0131lmas\u0131 (y\u00fczde 80,1), ihtiya\u00e7 d\u0131\u015f\u0131 harcamalar\u0131n d\u00fc\u015f\u00fcr\u00fclmesi (y\u00fczde 69,3) planlan\u0131yor.”<\/p>\n Son 1 y\u0131l i\u00e7inde bireysel emeklilik yoluyla tasarruf yapma oran\u0131n\u0131n yaln\u0131zca y\u00fczde 0,8 oldu\u011funa i\u015faret eden T\u00fcfenkci, ayl\u0131k ortalama 65,4 lira su, 108,5 lira elektrik, 443,3 lira g\u0131da, 210,1 lira giyim, 236,6 lira e\u011flence ve sosyalle\u015fme harcamas\u0131 yap\u0131ld\u0131\u011f\u0131n\u0131 dile getirdi.<\/p>\n Al\u0131nmas\u0131 gereken tedbirler<\/strong><\/p>\n T\u00fcfenkci, \u00fclkede israf\u0131n azalt\u0131lmas\u0131 i\u00e7in yap\u0131lmas\u0131 gerekenleri \u015f\u00f6yle s\u0131ralad\u0131:<\/p>\n \u0130srafla ilgili e\u011fitim programlar\u0131 haz\u0131rlanmal\u0131 ve bu programlar ya\u015fam boyu e\u011fitim \u00e7er\u00e7evesinde s\u00fcrekli hale getirilmeli.<\/p>\n Finansal y\u00f6netim ve ev idaresi konusunda bilin\u00e7lendirme \u00e7al\u0131\u015fmas\u0131 yap\u0131lmal\u0131.<\/p>\n Bireyler, tasarruf yapma ve tasarruflar\u0131n finansal sistem i\u00e7inde nas\u0131l de\u011ferlendirilmesi gerekti\u011fi konular\u0131nda bilgilendirilmeli.<\/p>\n Ekonomi y\u00f6netimi taraf\u0131ndan tasarruflar\u0131 te\u015fvik edici \u00f6nlemler al\u0131nmal\u0131, tasarruf yapmak cazip hale getirilmeli.<\/p>\n Bireylerin ihtiya\u00e7lar\u0131n\u0131 ve beklentilerini tatmin edecek yat\u0131r\u0131m ara\u00e7lar\u0131 geli\u015ftirilmeli.<\/p>\n Bireyler kredi kart\u0131n\u0131n ekonomik imkanlar\u0131na g\u00f6re kullan\u0131m\u0131 konusunda bilin\u00e7lendirilmeli.<\/p>\n Bireyler g\u0131da tasarrufu i\u00e7in al\u0131\u015fveri\u015f listesi yapmaya te\u015fvik edilmeli.<\/p>\n Bireyleri sermaye piyasas\u0131 ara\u00e7lar\u0131na y\u00f6nlendirici nitelikte yat\u0131r\u0131m dan\u0131\u015fmanl\u0131\u011f\u0131 hizmeti verilebilir.<\/p>\n Yast\u0131k alt\u0131 tasarrufu finansal sisteme kazand\u0131rmak i\u00e7in faiz imkanlar\u0131 gibi cazip avantajlar sunulmal\u0131 ve bu avantajlar\u0131n duyurulmas\u0131 sa\u011flanmal\u0131.<\/p>\n Yast\u0131k alt\u0131 tasarrufun risklerinin alt\u0131 \u00e7izilmeli.<\/p>\n Kaynak: AA<\/p>\n","protected":false},"excerpt":{"rendered":" T\u00fcrkiye’nin tasarruf profilini de\u011ferlendiren G\u00fcmr\u00fck ve Ticaret Bakan\u0131 B\u00fclent T\u00fcfenkci, vatanda\u015flar\u0131n nakitlerini evde saklad\u0131\u011f\u0131n\u0131, ihtiyac\u0131 olmadan k\u0131yafet ald\u0131\u011f\u0131n\u0131 s\u00f6yledi.<\/p>\n","protected":false},"author":1000097,"featured_media":2724,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[60],"tags":[],"_links":{"self":[{"href":"https:\/\/www.vizyon2023.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/2723"}],"collection":[{"href":"https:\/\/www.vizyon2023.com.tr\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.vizyon2023.com.tr\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.vizyon2023.com.tr\/index.php\/wp-json\/wp\/v2\/users\/1000097"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vizyon2023.com.tr\/index.php\/wp-json\/wp\/v2\/comments?post=2723"}],"version-history":[{"count":0,"href":"https:\/\/www.vizyon2023.com.tr\/index.php\/wp-json\/wp\/v2\/posts\/2723\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.vizyon2023.com.tr\/index.php\/wp-json\/wp\/v2\/media\/2724"}],"wp:attachment":[{"href":"https:\/\/www.vizyon2023.com.tr\/index.php\/wp-json\/wp\/v2\/media?parent=2723"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.vizyon2023.com.tr\/index.php\/wp-json\/wp\/v2\/categories?post=2723"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vizyon2023.com.tr\/index.php\/wp-json\/wp\/v2\/tags?post=2723"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}