FİNANSAL ARACILIĞIN ASLÎ İŞLEV VE FAALİYETLERİNE GERİ DÖNDÜRÜLMESİ

Yıl 2021, Cilt: 7 Sayı: 2, 323 - 341, 31.12.2021

Amal Boudir , Monzer Kahf

https://doi.org/10.54863/jief.752466

Öz

Finansal aracılık, para fazlası olan birimlerden para açığı olan birimlere aktarım yaparak ekonomideki para dolaşımını sağlayan hayati bir işlevdir. Ne yazık ki, aracı kurumlar bu temel işlevinden sapmışlar ve bu süreçte, doğası gereği dilsiz olan (katma değer yaratamayan) bir borçlanma araçları kompleksini kullanarak spekülatif ticaret faaliyetlerine girişmişlerdir. Buna karşılık, İslami finans düşüncesi, orjinal işlevi olan kaynakların likidite fazlası olan ekonomik birimlerden likidite noksanı olan ekonomik birimlere aktarılmasına odaklanmak için finansal aracılığı geri getirmenin yollarını sunar. Bu çalışma, finansal kuruluşların borca dayalı faizli kredilendirme araçları yerine satış, kiralama, ortaklık gibi finansal araçları kullanmasının reel ekonomiyi desteklemekle birlikte temel işlevlerinden uzaklaşmasını da engellemekteki ekonomik avantajlarını ortaya koymayı amaçlamaktadır. Bu, finansal işlemleri insan refahına faydalı olan şeylerle sıkı bir şekilde ilişkilendiren finansal kurumların faaliyetlerine etik değerleri dahil etmenin ekonomik avantajlarına ektir. Bu makale teorik bir analiz yaklaşımı benimsemekte ve finansal literatür, bildiriler ve makaleler aracılığıyla ikincil bilgilere dayanmaktadır.

Anahtar Kelimeler

Finansal Aracılık, İslami Finans, Finansal Fonksiyonlar

TAKING FINANCIAL INTERMEDIATION BACK TO ITS ORIGINAL FUNCTIONS AND ACTIVITIES

Öz

Financial intermediation is a vital function that permits money circulation by getting it from surplus units in the economy and giving it to deficit units. Unfortunately, intermediary institutions deviated from this essential function and indulged in speculative trading activities using, in the process, a complex of debt instruments which are mute (unable to create added value) by nature. In contrast, Islamic finance ideas offer ways to bring financial intermediation back to focus on its original function of channeling resources from the liquidity fluent economic units to the liquidity hungry units. This paper aims to explore the economic advantages of applying principles such as using financial instruments of sale, lease, and sharing instead of the debt-based instrument of interest lending, especially in confining financial institutions to supporting the real economy through activities of financial intermediation and preventing them from going away from this fundamental function. This is in addition to the economic advantages of incorporating ethical values in the activities of financial institutions, which make financial transactions strictly associated with what is beneficial to human welfare. This paper takes a theoretical analysis approach and is based on secondary information through financial literature, papers, and articles.

Anahtar Kelimeler

Financial Intermediation, Islamic Finance, Financial Functions

Kaynakça

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