{"id":3090,"date":"2025-12-20T07:04:00","date_gmt":"2025-12-20T07:04:00","guid":{"rendered":"https:\/\/haberadmin.com\/?p=3090"},"modified":"2025-12-20T07:04:00","modified_gmt":"2025-12-20T07:04:00","slug":"pos-komisyonlari-esnafi-zorluyor-merkez-bankasi-ne-yapacak","status":"publish","type":"post","link":"https:\/\/haberadmin.com\/?p=3090","title":{"rendered":"POS Komisyonlar\u0131 Esnaf\u0131 Zorluyor, Merkez Bankas\u0131 Ne Yapacak?"},"content":{"rendered":"<p>YGUDER\u0130N haberine g\u00f6re, \u00fcye i\u015fyeri komisyon oranlar\u0131, bankalar\u0131n fonlama maliyetine yani mevduat faizlerine g\u00f6re belirleniyor. Politika faizinin %50 seviyelerinde seyretmesi, POS komisyonlar\u0131n\u0131 da %3,5 \u2013 %4,5 band\u0131na ta\u015f\u0131d\u0131. Esnaf odalar\u0131, k\u00e2r marjlar\u0131n\u0131n zaten d\u00fc\u015f\u00fck oldu\u011funu vurgulayarak banka kesintilerinin esnaf\u0131 zarara s\u00fcr\u00fckledi\u011fini ifade ediyor. Bu nedenle komisyon oranlar\u0131n\u0131n %2 seviyesinde sabitlenmesi talep ediliyor.<\/p>\n<p><strong>S\u0130STEM NASIL \u0130\u015eL\u0130YOR?<\/strong><\/p>\n<p>Esnaf POS cihaz\u0131 kullan\u0131rken temelde iki farkl\u0131 y\u00f6ntemle \u00e7al\u0131\u015fabiliyor:<\/p>\n<p><strong>1-Blokeli \u00c7al\u0131\u015fma<\/strong><\/p>\n<p>Bu y\u00f6ntemde esnaf, \u00e7ekilen tutar\u0131 hemen almaz; para bankada 30-40 g\u00fcn bekletilir. Komisyon ya hi\u00e7 \u00f6denmez ya da \u00e7ok d\u00fc\u015f\u00fck olur. Ancak bu durum, esnaf\u0131n nakit ak\u0131\u015f\u0131n\u0131 ciddi \u015fekilde zorlar.<\/p>\n<p><strong>2-Ertesi G\u00fcn \u00d6deme<\/strong><\/p>\n<p>Esnaf paras\u0131n\u0131 ertesi g\u00fcn hesab\u0131nda g\u00f6rmek isterse, banka bu kez y\u00fcksek oranda komisyon kesintisi uygular. En \u00e7ok tercih edilen y\u00f6ntem olmas\u0131na ra\u011fmen maliyeti y\u00fcksektir.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" alt=\"POS Komisyonlar\u0131 Esnaf\u0131 Zorluyor, Merkez Bankas\u0131 Ne Yapacak?\" class=\"mx-auto max-w-full h-auto shadow-sm\" height=\"501\" src=\"https:\/\/www.urfahaber.com\/images\/uploads\/2025\/12\/ekran-alintisi-69464f5d9b267.png\" width=\"906\" \/><\/p>\n<p><strong>TCMB M\u00dcDAHALES\u0130 BEKLEN\u0130YOR<\/strong><\/p>\n<p>5464 say\u0131l\u0131 Kanun, T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131\u2019na \u00fcye i\u015fyeri komisyon oranlar\u0131na \u201ctavan s\u0131n\u0131r\u201d getirme yetkisi tan\u0131yor. Enflasyonla m\u00fccadele kapsam\u0131nda maliyetlerin fiyatlara yans\u0131mas\u0131n\u0131 \u00f6nlemek amac\u0131yla, 2026 y\u0131l\u0131 ba\u015f\u0131nda komisyon oranlar\u0131na \u00fcst s\u0131n\u0131r (cap) getirilmesi ya da g\u0131da ve akaryak\u0131t gibi sekt\u00f6rlerde indirimli oranlar uygulanmas\u0131 Ankara kulislerinde dile getiriliyor.<\/p>\n<p><strong>\u201cSADECE NAK\u0130T\u201d D\u00d6NEM\u0130 GER\u0130 M\u0130 D\u00d6N\u00dcYOR?<\/strong><\/p>\n<p>Komisyon oranlar\u0131nda d\u00fc\u015f\u00fc\u015f olmazsa, 2026 y\u0131l\u0131nda \u201cSadece Nakit Ge\u00e7erlidir\u201d yaz\u0131s\u0131n\u0131n daha fazla i\u015f yerinin cam\u0131nda g\u00f6r\u00fclmesi bekleniyor. Bu durum ise kay\u0131t d\u0131\u015f\u0131 ekonomiyle m\u00fccadeleyi zora sokabilecek bir geli\u015fme olarak de\u011ferlendiriliyor.<\/p>\n<p>KAYNAK: YGUDER HABER<\/p>\n","protected":false},"excerpt":{"rendered":"<p>YGUDER\u0130N haberine g\u00f6re, \u00fcye i\u015fyeri komisyon oranlar\u0131, bankalar\u0131n fonlama maliyetine yani mevduat faizlerine g\u00f6re belirleniyor&#8230;.<\/p>\n","protected":false},"author":1,"featured_media":3091,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3090","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gundem"],"_links":{"self":[{"href":"https:\/\/haberadmin.com\/index.php?rest_route=\/wp\/v2\/posts\/3090","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/haberadmin.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/haberadmin.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/haberadmin.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/haberadmin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3090"}],"version-history":[{"count":0,"href":"https:\/\/haberadmin.com\/index.php?rest_route=\/wp\/v2\/posts\/3090\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/haberadmin.com\/index.php?rest_route=\/wp\/v2\/media\/3091"}],"wp:attachment":[{"href":"https:\/\/haberadmin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3090"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/haberadmin.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3090"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/haberadmin.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3090"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}