TOKİ and Savings-Based Finance Companies Fiqh Dimension of Housing Finance

Orhan Yılmaz

Makale detayları

TOKİ and Savings-Based Finance Companies Fiqh Dimension of Housing Finance

Yazarlar:

Orhan Yılmaz

Yayıncı:

Çanakkale Onsekiz Mart University

Ana Başlıklar:

Din | Toplum ve Kültür Araştırmaları

Dergi:

Kilitbahir Issue 22, pp.207-228

Belge Tipi:

Makale

Yayın Tarihi:

3/2023

Belge Dili:

Türkçe

Document ID (Org No.):

2001284894

pISSN:

2687-2692

Anahtar kelimeler:

Özet:

 Throughout history, human has continued his life as a being in need of shelter and has gone to meet his need for shelter by resorting to various ways. This process, which started with tree hollows and caves, continues its progress as extremely luxurious structures today. Today, the need for shelter has moved from structural concerns to financial concerns. The desire to own a house has taken the first place in peoples lives. People living between unlimited needs and limited income sources have resorted to various ways and developed some systems in order to own a house. The first of these is bank loans. However, Muslims, who are sensitive to interest and aim to live a life in accordance with Allahs orders, have tried to create some structures where there is no interest against this system. Participation banks come first among them. However, due to the fact that there are many studies on participation banks, housing financing methods of participation banks are not included in this study. In the study, taking into account the economic bottleneck that Turkey has been in lately, the savings-based interest-free financing system, which was developed as a result of the Housing Project and the search for solutions due to the interest sensitivity of the Housing Development Administration, was organized by the government to give importance to people to relax a little in this inflationary environment. has been subjected to a jurisprudential evaluation.

 Throughout history, human has continued his life as a being in need of shelter and has gone to meet his need for shelter by resorting to various ways. This process, which started with tree hollows and caves, continues its progress as extremely luxurious structures today. Today, the need for shelter has moved from structural concerns to financial concerns. The desire to own a house has taken the first place in peoples lives. People living between unlimited needs and limited income sources have resorted to various ways and developed some systems in order to own a house. The first of these is bank loans. However, Muslims, who are sensitive to interest and aim to live a life in accordance with Allahs orders, have tried to create some structures where there is no interest against this system. Participation banks come first among them. However, due to the fact that there are many studies on participation banks, housing financing methods of participation banks are not included in this study. In the study, taking into account the economic bottleneck that Turkey has been in lately, the savings-based interest-free financing system, which was developed as a result of the Housing Project and the search for solutions due to the interest sensitivity of the Housing Development Administration, was organized by the government to give importance to people to relax a little in this inflationary environment. has been subjected to a jurisprudential evaluation.

 Throughout history, human has continued his life as a being in need of shelter and has gone to meet his need for shelter by resorting to various ways. This process, which started with tree hollows and caves, continues its progress as extremely luxurious structures today. Today, the need for shelter has moved from structural concerns to financial concerns. The desire to own a house has taken the first place in peoples lives. People living between unlimited needs and limited income sources have resorted to various ways and developed some systems in order to own a house. The first of these is bank loans. However, Muslims, who are sensitive to interest and aim to live a life in accordance with Allahs orders, have tried to create some structures where there is no interest against this system. Participation banks come first among them. However, due to the fact that there are many studies on participation banks, housing financing methods of participation banks are not included in this study. In the study, taking into account the economic bottleneck that Turkey has been in lately, the savings-based interest-free financing system, which was developed as a result of the Housing Project and the search for solutions due to the interest sensitivity of the Housing Development Administration, was organized by the government to give importance to people to relax a little in this inflationary environment. has been subjected to a jurisprudential evaluation.

 İnsanlık tarih boyunca barınmaya muhtaç bir varlık olarak hayatını devam ettirmiştir. Ağaç kovukları ve mağaralarla başlayan bu süreç günümüze kadar oldukça formsal değişikliğe uğramış ve yapısal açıdan gelişerek birçok farklı biçime dönüşmüştür. Günümüzde artık barınma ihtiyacı konut için gerekli olan yapısal kaygıları aşarak maddi olanaklar boyutuna geçmiştir. İnsanların hayatlarında neredeyse ilk sırayı ev sahibi olma isteği almıştır. Sınırsız ihtiyaçlar ve sınırlı gelir kaynakları arasında yaşayan insanlar ev sahibi olabilmek için çeşitli yollara başvurmuş ve bazı sistemler geliştirmiştir. Bunların başında banka kredileri gelmektedir. Ancak faiz hassasiyeti olan ve Allahın emirlerine uygun bir yaşam sürmeyi hedefleyen Müslümanlar, bu sisteme karşı faizin olmadığı bazı yapılar oluşturmaya çalışmışlardır. Bunların en başında bilindiği üzere katılım bankaları gelmektedir. Faizsiz iddiası hakkında geliştirilen diğer yapılar ise tasarrufa dayalı finansman sistemi ve toplu konut projeleridir. Çalışmadaki amaç Türkiyenin son zamanlarda içinde bulunduğu ekonomik darboğaz dikkate alınmak suretiyle, devletin önem verdiği Toplu Konut İdaresinin konut projeleri ile faiz hassasiyetiyle çözüm arayışları sonucunda geliştirilen, tasarrufa dayalı finansman sisteminin konut finansman kısmı hakkında fıkhî bir değerlendirme yapmaktır. Çalışmanın kapsamı faizsiz olduğu iddialarıyla vatandaşların yöneldiği TOKİ ve Tasarrufa Dayalı Finansman Sistemi TDFS ile sınırlı tutularak, bu kurumlarca yapılan konut finansman işlemlerinin İslâm hukukuna uygunluğu, akitler bağlamında temellendirilen bir yöntemle açıklanmaya çalışılmıştır. Hakkında fazlaca çalışma olması sebebiyle katılım bankacılığının konut finansman yöntemleri ise kapsam dışında bırakılmıştır.

Makale detayları

TOKİ and Savings-Based Finance Companies Fiqh Dimension of Housing Finance

Yazarlar:

Orhan Yılmaz

Yayıncı:

Çanakkale Onsekiz Mart University

Ana Başlıklar:

Din | Toplum ve Kültür Araştırmaları

Dergi:

Kilitbahir Issue 22, pp.207-228

Belge Tipi:

Makale

Yayın Tarihi:

3/2023

Belge Dili:

Türkçe

Document ID (Org No.):

2001284894

pISSN:

2687-2692

Housing Finance

Islamic Finance

TOKİ

TDFS

Interest

Konut Finansmanı

İslâmi Finans

TOKİ

TDFS

Faiz

Sayı

Makale detayları

Yazarlar: Orhan Yılmaz

Yayıncı: Çanakkale Onsekiz Mart University

Ana Başlıklar: Din | Toplum ve Kültür Araştırmaları

Dergi: Kilitbahir Issue 22, pp.207-228

Belge Tipi: Makale

Yayın Tarihi: 3/2023

Belge Dili: Türkçe

Document ID (Org No.): 2001284894

pISSN: 2687-2692

Sayı

Yazarlar:

Orhan Yılmaz

Yayıncı:

Çanakkale Onsekiz Mart University

Ana Başlıklar:

Din | Toplum ve Kültür Araştırmaları

Dergi:

Kilitbahir Issue 22, pp.207-228

Belge Tipi:

Makale

Yayın Tarihi:

3/2023

Belge Dili:

Türkçe

Document ID (Org No.):

2001284894

pISSN:

2687-2692