Kredi kart\u0131 ile yap\u0131lan sat\u0131\u015flarda esnaftan kesilen kredi kart\u0131 komisyon oran\u0131n\u0131n d\u00fc\u015f\u00fcr\u00fclmesi gerekti\u011fini belirten TESK Genel Ba\u015fkan\u0131 Bendevi Paland\u00f6ken, \u201cEsnaf ve sanatkarlar\u0131m\u0131z\u0131n kredi kart\u0131 ile yapt\u0131\u011f\u0131 sat\u0131\u015flarda i\u015f yerinin cirosuna ve sat\u0131\u015f\u0131n vadesine g\u00f6re de\u011fi\u015fen oranlarda bankadan bankaya farkl\u0131l\u0131k g\u00f6steren kredi kart\u0131 komisyon kesintisi yap\u0131l\u0131yor. Bu da \u00f6zellikle k\u00fc\u00e7\u00fck esnaf ve sanatkarlar\u0131m\u0131z\u0131n omzuna b\u00fcy\u00fck bir y\u00fck bindiriyor. Ayakta kalma m\u00fccadelesi veren esnaf\u0131m\u0131z y\u00fcksek kredi kart\u0131 komisyon kesintisini kald\u0131racak durumda de\u011fil. Kredi kart\u0131 kullan\u0131m\u0131 her ge\u00e7en g\u00fcn artarken esnaf\u0131m\u0131z\u0131n da \u00e7a\u011fa ayak uydurabilmesi i\u00e7in komisyon oranlar\u0131n\u0131n d\u00fc\u015f\u00fcr\u00fclmesi \u015fart\u201d dedi.<\/p>\n
Kredi kart\u0131 komisyonlar\u0131 ile esnaf ve sanatkarlar\u0131n kazanc\u0131na ortak olundu\u011funu s\u00f6yleyen T\u00fcrkiye Esnaf v Sanatkarlar\u0131 Konfederasyonu (TESK) Genel Ba\u015fkan\u0131 Bendevi Paland\u00f6ken, \u201cG\u00fcn\u00fcm\u00fczde kredi kart\u0131 kullan\u0131m\u0131 her ge\u00e7en g\u00fcn art\u0131\u015f g\u00f6steriyor. BKM verilerine g\u00f6re bu y\u0131l\u0131n ilk 6 ay\u0131nda kredi kartlar\u0131 ile nakit \u00e7ekim haricinde 384 milyon 630 bin 37 liral\u0131k al\u0131\u015fveri\u015f yap\u0131ld\u0131. Bankalar bu al\u0131\u015fveri\u015flerden kestikleri komisyon oranlar\u0131 ile esnaf\u0131m\u0131z\u0131n kazanc\u0131na ortak oluyor. Kredi kart\u0131 ile sat\u0131\u015f yapan esnaf\u0131m\u0131z paras\u0131n\u0131 ertesi g\u00fcn almak istedi\u011finde y\u00fczde 3 ile 5 aras\u0131nda de\u011fi\u015fen oranlarda kesinti yap\u0131l\u0131yor. Sat\u0131\u015f yapt\u0131ktan sonra 20-30 g\u00fcn beklemeyi g\u00f6ze al\u0131rsa o zaman komisyon oranlar\u0131 d\u00fc\u015f\u00fcyor. Ancak pe\u015fin \u00f6deme yapan ve onlarca kalemde maliyeti olan esnaf\u0131m\u0131z yapt\u0131\u011f\u0131 sat\u0131\u015f\u0131n kar\u015f\u0131l\u0131\u011f\u0131n\u0131 bir an \u00f6nce almak istiyor. Vade artt\u0131k\u00e7a komisyon oran\u0131 artt\u0131\u011f\u0131 i\u00e7in esnaf\u0131m\u0131z s\u0131k\u0131nt\u0131ya giriyor. Alaca\u011f\u0131n bir ay sonra \u00f6denmesi \u00e7\u00f6z\u00fcm de\u011fil. Veresiye defterinde olan risk kredi kart\u0131nda yok. Bu y\u00fczden bankalar komisyon oranlar\u0131nda daha esnek olmal\u0131\u201d diye konu\u015ftu.<\/p>\n
\u201c\u0130\u015f yapamayan esnaf \u00fcr\u00fcn fiyatlar\u0131n\u0131 art\u0131ramaz\u201d<\/p>\n
Bir\u00e7ok b\u00fcy\u00fck ma\u011faza taraf\u0131ndan kredi kart\u0131 komisyon oranlar\u0131n\u0131n \u00fcr\u00fcn fiyatlar\u0131na yans\u0131d\u0131\u011f\u0131n\u0131 dile getiren Paland\u00f6ken, \u201cB\u00fcy\u00fck ma\u011fazalar \u00fcr\u00fcn fiyatlar\u0131na kredi kart\u0131 komisyon oranlar\u0131n\u0131n maliyetini ekleyip etikete yans\u0131tabiliyor. Bir kaza\u011f\u0131n \u00fczerine tek \u00e7ekim ya da taksitli \u00e7ekim olmak \u00fczere de\u011fi\u015fen iki fiyatl\u0131 etiket yap\u0131\u015ft\u0131r\u0131l\u0131yor. Oysa esnaf\u0131m\u0131z zaten i\u015f yapamazken bir de bu maliyeti \u00fcr\u00fcn fiyatlar\u0131na eklerse vatanda\u015ftan tepki al\u0131r. \u0130\u015f yapamayan esnaf \u00fcr\u00fcn fiyatlar\u0131n\u0131 art\u0131ramaz. G\u00fcn\u00fcm\u00fcz \u015fartlar\u0131nda esnaf\u0131n kredi kart\u0131 sat\u0131\u015flar\u0131n\u0131 iptal edip sadece nakit \u00e7al\u0131\u015fma gibi bir l\u00fcks\u00fc de yok. Esnaf\u0131n kredi kart\u0131ndan soyutlanmas\u0131 \u00e7a\u011f d\u0131\u015f\u0131 olur. Vatanda\u015flar kart kullanmayaca\u011f\u0131 ya da taksit yapt\u0131rmayaca\u011f\u0131 \u00fcr\u00fcn\u00fc almaktan vazge\u00e7er. Bu da esnaf\u0131m\u0131z\u0131n i\u015flerinin iyice k\u00f6t\u00fcye gitmesi demektir. K\u00fc\u00e7\u00fck esnafa kredi kart\u0131 komisyon oranlar\u0131nda acilen bir kolayl\u0131k getirilmeli\u201d \u015feklinde konu\u015ftu.<\/p>\n","protected":false},"excerpt":{"rendered":"
TESK GENEL BA\u015eKANI BENDEV\u0130 PALAND\u00d6KEN, KRED\u0130 KARTI \u0130LE YAPILAN SATI\u015eLARDA ESNAFTAN KES\u0130LEN KRED\u0130 KARTI KOM\u0130SYON ORANININ D\u00dc\u015e\u00dcR\u00dcLMES\u0130 GEREKT\u0130\u011e\u0130N\u0130 BEL\u0130RTT\u0130.<\/p>\n","protected":false},"author":1,"featured_media":213081,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[19],"tags":[216,1092,869,2746,4159,11111,8073,3156,12357],"class_list":["post-213080","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ekonomi","tag-baskani","tag-esnafin","tag-genel","tag-kart","tag-kazanc","tag-ortagi","tag-palandoken","tag-plastik","tag-tesk"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.tvturk.com\/wp-content\/uploads\/2019\/10\/tesk-genel-baskani-palandoken-plastik-kart-esnafin-kazanc-ortagi_55a373a.jpg?fit=1000%2C664","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paKIfm-TqM","_links":{"self":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/213080","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/comments?post=213080"}],"version-history":[{"count":0,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/posts\/213080\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media\/213081"}],"wp:attachment":[{"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/media?parent=213080"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/categories?post=213080"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.tvturk.com\/index.php\/wp-json\/wp\/v2\/tags?post=213080"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}