{"id":23568,"date":"2018-11-16T14:13:41","date_gmt":"2018-11-16T11:13:41","guid":{"rendered":"http:\/\/arantv.az\/?p=23568"},"modified":"2018-11-16T14:13:41","modified_gmt":"2018-11-16T11:13:41","slug":"t%c9%99hsil-krediti-hansi-banklar-hansi-s%c9%99rtl%c9%99rl%c9%99-verir-arasdirma","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=23568","title":{"rendered":"T\u0259hsil krediti: Hans\u0131 banklar hans\u0131 \u015f\u0259rtl\u0259rl\u0259 verir? – ARA\u015eDIRMA"},"content":{"rendered":"

T\u0259hsil ekspertl\u0259rinin bildirdiyin\u0259 g\u00f6r\u0259, son be\u015f ild\u0259 Az\u0259rbaycanda yeddi mind\u0259n \u00e7ox t\u0259l\u0259b\u0259 t\u0259hsil haqq\u0131n\u0131 \u00f6d\u0259y\u0259 bilm\u0259diyi \u00fc\u00e7\u00fcn ali t\u0259hsil almaqdan m\u0259hrum olub.<\/p>\n

I-II kursda \u00e7\u0259tinlikl\u0259 oxuya bil\u0259n t\u0259l\u0259b\u0259l\u0259r, n\u00f6vb\u0259ti ill\u0259rin t\u0259hsil haqq\u0131n\u0131 \u00f6d\u0259y\u0259 bilm\u0259diyi \u00fc\u00e7\u00fcn universitetd\u0259n imtina etm\u0259li olublar.<\/p>\n

ARANTV.AZ<\/strong>-\u0131n m\u0259lumat\u0131na g\u00f6r\u0259, bir ne\u00e7\u0259 g\u00fcn \u00f6nc\u0259 maliyy\u0259 naziri\u00a0Samir \u015e\u0259rifov<\/strong>\u00a0Milli M\u0259clisd\u0259 b\u00fcdc\u0259 m\u00fczakir\u0259l\u0259ri zaman\u0131 t\u0259hsil kreditl\u0259ri il\u0259 ba\u011fl\u0131 dan\u0131\u015fan zaman bildirib ki, t\u0259hsil krediti alanlar\u0131n o krediti qaytarmas\u0131 b\u00f6y\u00fck bir suald\u0131r:<\/p>\n

<\/div>\n

\"\"\u201cBizim bank t\u0259\u015fkilatlar\u0131m\u0131z bu riski \u00f6z \u00fcz\u0259ril\u0259rin\u0259 g\u00f6t\u00fcrm\u0259k ist\u0259mirl\u0259r. Yax\u015f\u0131, buna d\u00f6vl\u0259t m\u00fcdaxil\u0259 ets\u0259, b\u0259ri ba\u015fdan etiraf ed\u0259k ki, bu kreditl\u0259r qaytar\u0131lmayacaq. Xaricd\u0259 bu m\u0259s\u0259l\u0259 bel\u0259 qurulub. Kredit verilir, amma h\u0259min m\u0259zunlar i\u015f\u0259 q\u0259bul olunduqdan sonra i\u015f\u0259g\u00f6t\u00fcr\u0259nl\u0259r banklarla m\u00fcqavil\u0259 ba\u011flay\u0131r v\u0259 kreditl\u0259r geri qaytar\u0131l\u0131r. Haz\u0131rda bununla ba\u011fl\u0131 bir mexanizm tapa bilm\u0259mi\u015fik. M\u00fc\u0259yy\u0259n c\u0259hdl\u0259r var. Lakin bunlar, dem\u0259zdim ki, k\u00fctl\u0259vi \u015f\u0259kild\u0259 h\u0259ll edilir\u201d.<\/p>\n

\n
Oxu:\u00a0Samir \u015e\u0259rifov: T\u0259hsil kreditl\u0259ri il\u0259 ba\u011fl\u0131 mexanizm tapa bilm\u0259mi\u015fik<\/a><\/strong><\/em><\/div>\n<\/blockquote>\n

B\u0259s, banklar t\u0259l\u0259b\u0259l\u0259r\u0259 t\u0259hsil krediti verirmi?<\/p>\n

Xat\u0131rladaq ki, haz\u0131rda d\u00f6vl\u0259t t\u0259r\u0259find\u0259n m\u00fc\u0259yy\u0259n kateqoriyaya aid olan \u015f\u0259xsl\u0259rin t\u0259hsil haqlar\u0131 b\u00fcdc\u0259nin v\u0259saiti hesab\u0131na \u00f6d\u0259nilir. Y\u0259ni Milli Q\u0259hr\u0259man \u00f6vladlar\u0131, I-II qrup \u0259lil g\u0259ncl\u0259r, Az\u0259rbaycan Respublikas\u0131n\u0131n \u0259razi b\u00fct\u00f6vl\u00fcy\u00fcn\u00fcn, m\u00fcst\u0259qilliyinin v\u0259 Konstitusiya qurulu\u015funun m\u00fcdafi\u0259si zaman\u0131 \u0259lil olmu\u015f v\u0259t\u0259nda\u015flar\u0131n \u00f6vladlar\u0131, valideynl\u0259rini itirmi\u015f, valideyn himay\u0259sind\u0259n m\u0259hrum olmu\u015f v\u0259 ya internat m\u0259zunlar\u0131 olan g\u0259ncl\u0259r, I qrup \u0259lil valideyni olan g\u0259ncl\u0259r, h\u0259r iki valideyni \u0259lil olan (I, II qrup) g\u0259ncl\u0259rin t\u0259hsil haqlar\u0131n\u0131 d\u00f6vl\u0259t \u00f6d\u0259yir. Amma bu da kredit deyil.<\/p>\n

Banklar, \u015firk\u0259tl\u0259r t\u0259r\u0259find\u0259n istehlak krediti format\u0131nda t\u0259l\u0259b\u0259l\u0259r\u0259 veril\u0259n kreditl\u0259r\u00a0azd\u0131r.<\/p>\n

\"\"<\/p>\n

\u201cUnibank\u201ddan bildirilib ki, b\u00fct\u00fcn t\u0259l\u0259b\u0259l\u0259rin r\u0259smi i\u015f yeri olan valideynl\u0259ri g\u0259lib 20 min\u00a0manatad\u0259k krediti 48 ayad\u0259k m\u00fcdd\u0259t\u0259 s\u0259rf\u0259li faizl\u0259 g\u00f6t\u00fcr\u0259 bil\u0259rl\u0259r:<\/p>\n

\u201cZamin v\u0259 s\u0131\u011forta x\u0259rci yoxdur. Kreditin ayl\u0131q \u00f6d\u0259ni\u015fi 19 manatdan ba\u015flay\u0131r. T\u0259l\u0259b\u0259l\u0259r vaxt itirm\u0259d\u0259n \u201cUnibank Mobile\u201dd\u0259n sayt\u0131m\u0131zdan, mesaj\u00a0n\u00f6mr\u0259mizd\u0259n \u201cWhatsapp\u201dla sifari\u015f ver\u0259 bil\u0259rl\u0259r. Kredit g\u00f6t\u00fcrm\u0259k \u00fc\u00e7\u00fcn m\u00fcsb\u0259t r\u0259y verildikd\u0259, onlar bank\u0131n \u015f\u00f6b\u0259l\u0259rin\u0259 yax\u0131nla\u015fa bil\u0259rl\u0259r\u201d.<\/p>\n

\u201cBank VTB\u201dd\u0259n bildirilib ki, t\u0259l\u0259b\u0259l\u0259r\u0259 t\u0259hsil krediti verilir:<\/p>\n

\u201cBu m\u0259bl\u0259\u011f minimum 300 AZN, maksimum 30 min AZN, illik faiz d\u0259r\u0259c\u0259si girov il\u0259 19 faiz, girovsuz 21 faiz t\u0259\u015fkil edir. \u00d6d\u0259ni\u015f alt\u0131 aydan 60 aya q\u0259d\u0259rdir. Valideynl\u0259rin i\u015f yerind\u0259n aray\u0131\u015f olmal\u0131d\u0131r.<\/p>\n

T\u0259l\u0259b\u0259nin t\u0259hsil m\u00fcqavil\u0259si, hesab-qaim\u0259 (invoys), ali t\u0259hsil m\u00fc\u0259ssis\u0259sinin v\u0259 fak\u00fclt\u0259nin ad\u0131, ali t\u0259hsil m\u00fc\u0259ssis\u0259sind\u0259 t\u0259hsilin gedi\u015fi, illik t\u0259hsil haqq\u0131n\u0131n m\u0259bl\u0259\u011fi,\u00a0t\u0259hsilin bitm\u0259 ay\u0131 v\u0259 ili t\u0259qdim edilm\u0259lidir\u201d.<\/p>\n

\u201cBank Respublika\u201ddan\u00a0qeyd edilib ki, \u00f6lk\u0259 \u0259razisind\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n t\u0259hsil ocaqlar\u0131nda (ali, pe\u015f\u0259-ixtisas v\u0259 orta) \u00f6d\u0259ni\u015fli \u0259saslarla t\u0259hsil alan t\u0259l\u0259b\u0259 v\u0259 \u015fagirdl\u0259rin t\u0259hsil haqlar\u0131n\u0131n \u00f6d\u0259nilm\u0259si \u00fc\u00e7\u00fcn kredit n\u0259z\u0259rd\u0259 tutulub:<\/p>\n

\u201cM\u0259bl\u0259\u011f 500-10000 manat, \u00f6d\u0259ni\u015f vaxt\u0131 12 ay, illik faiz d\u0259r\u0259c\u0259si 20 faiz, komissiya bir faiz (min manata 10 manat) t\u0259\u015fkil edir. \u0130ki ildir ki, T\u0259hsil Nazirliyinin t\u0259\u015f\u0259bb\u00fcs\u00fc il\u0259 Maarif\u00e7i Kredit Fondu yarad\u0131l\u0131b.<\/p>\n

Nazirliyin t\u0259\u015f\u0259bb\u00fcs\u00fc il\u0259 yarad\u0131lan fond d\u00f6vl\u0259t ali t\u0259hsil m\u00fc\u0259ssis\u0259l\u0259ri – Az\u0259rbaycan Dill\u0259r Universiteti, Az\u0259rbaycan D\u00f6vl\u0259t \u0130qtisad Universiteti, Az\u0259rbaycan D\u00f6vl\u0259t Neft v\u0259 S\u0259naye Universiteti, Az\u0259rbaycan D\u00f6vl\u0259t Pedaqoji Universiteti, Az\u0259rbaycan Memarl\u0131q v\u0259 \u0130n\u015faat Universiteti, Az\u0259rbaycan Texniki Universiteti, Bak\u0131 D\u00f6vl\u0259t Universiteti, Bak\u0131 Slavyan Universiteti, G\u0259nc\u0259 D\u00f6vl\u0259t Universiteti v\u0259 Sumqay\u0131t D\u00f6vl\u0259t Universiteti t\u0259r\u0259find\u0259n\u00a0t\u0259sis edilib.<\/p>\n

Fondun m\u0259qs\u0259di t\u0259hsil haqq\u0131n\u0131 \u00f6d\u0259m\u0259kd\u0259 \u00e7\u0259tinlik \u00e7\u0259k\u0259n azt\u0259minatl\u0131 ail\u0259l\u0259rd\u0259n olan t\u0259l\u0259b\u0259l\u0259r\u0259 uzunm\u00fcdd\u0259tli g\u00fcz\u0259\u015ftli kreditl\u0259r verilm\u0259si vasit\u0259sil\u0259 onlara ali t\u0259hsil almaqda b\u0259rab\u0259r imkanlar\u0131n yarad\u0131lmas\u0131d\u0131r. \u00dcmumilikd\u0259 223 t\u0259hsil haqq\u0131 krediti m\u00fcqavil\u0259si imzalan\u0131b.<\/p>\n

T\u0259hsil eksperti\u00a0Nadir \u0130srafilov<\/strong>un s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, t\u0259\u0259ss\u00fcf ki, \u201cT\u0259hsil krediti\u201d, b\u0259z\u0259n d\u0259 \u201cT\u0259l\u0259b\u0259 krediti\u201d adland\u0131r\u0131lan m\u0259s\u0259l\u0259 birinci d\u0259f\u0259 deyil ki, g\u00fcnd\u0259m\u0259 g\u0259tirilir:<\/p>\n

\u201cBu m\u0259s\u0259l\u0259 Milli M\u0259clisin g\u00fcnd\u0259liyin\u0259 daxil edilib, sonradan yenid\u0259n \u00e7\u0131xar\u0131l\u0131r. Milli M\u0259clisin Elm v\u0259 t\u0259hsil komit\u0259sinin s\u0259dri \u0130sa H\u0259bibb\u0259yli a\u00e7\u0131qlamas\u0131nda \u201cT\u0259l\u0259b\u0259 kreditl\u0259ri haqq\u0131nda\u201d qanun layih\u0259sinin haz\u0131rlanmas\u0131n\u0131n d\u00fc\u015f\u00fcn\u00fcld\u00fcy\u00fcn\u00fc bildirib. Eyni zamanda, Maarif\u00e7i T\u0259l\u0259b\u0259 Kredit Fondu var v\u0259 m\u00fc\u0259yy\u0259n d\u0259r\u0259c\u0259d\u0259 k\u00f6m\u0259k g\u00f6st\u0259rilir.<\/p>\n

Ancaq burada da b\u0259zi \u00e7at\u0131\u015fmazl\u0131qlar v\u0259 baryerl\u0259r var ki, bu da ham\u0131 \u00fc\u00e7\u00fcn \u0259l\u00e7atan deyil. Kredit almaq ist\u0259y\u0259nl\u0259r Az\u0259rbaycan\u0131n v\u0259t\u0259nda\u015f\u0131 olmal\u0131, t\u0259sis\u00e7i olan ali m\u0259kt\u0259bl\u0259rd\u0259n birind\u0259 t\u0259hsil almal\u0131, t\u0259hsilinin davam etdirilm\u0259si \u00fc\u00e7\u00fcn maliyy\u0259 yard\u0131m\u0131na h\u0259qiqi ehtiyac\u0131 olmal\u0131, valideynl\u0259rin v\u0259 \u00f6z\u00fcn\u00fcn daha \u0259vv\u0259l ald\u0131\u011f\u0131 kreditl\u0259r \u00fczr\u0259 defolt hadis\u0259l\u0259r ba\u015f verm\u0259m\u0259lidir.<\/p>\n

Kreditl\u0259r veril\u0259rk\u0259n valideynl\u0259rin illik g\u0259lirl\u0259rinin 10 min manatdan art\u0131q olmamas\u0131, t\u0259l\u0259b\u0259l\u0259rin ya\u015f\u0131n\u0131n 25-d\u0259n yuxar\u0131 olmamas\u0131, el\u0259c\u0259 d\u0259, bu il \u00fc\u00e7\u00fcn yaln\u0131z bakalavr pill\u0259sind\u0259 t\u0259hsil almas\u0131n\u0131n \u0259sas g\u00f6t\u00fcr\u00fclm\u0259si, t\u0259l\u0259b\u0259nin \u00fcmumi orta m\u00fcv\u0259ff\u0259qiyy\u0259t bal\u0131n\u0131n 71 baldan yuxar\u0131 olmas\u0131, t\u0259l\u0259b\u0259nin n\u00f6vb\u0259ti ill\u0259rd\u0259 g\u00f6st\u0259ricil\u0259ri a\u015fa\u011f\u0131 oldu\u011fu halda, o zaman onlara kredit verilm\u0259m\u0259si hallar\u0131 var.<\/p>\n

G\u00f6r\u00fcnd\u00fcy\u00fc kimi, bu v\u0259 dig\u0259r s\u0259b\u0259bl\u0259rd\u0259n \u201cT\u0259hsil krediti haqq\u0131nda\u201d qanun layih\u0259sinin bir ne\u00e7\u0259 d\u0259f\u0259 Milli M\u0259clisin iclaslar\u0131nda m\u00fczakir\u0259y\u0259 \u00e7\u0131xar\u0131lmas\u0131na baxmayaraq, q\u0259bul olunmas\u0131 bu g\u00fcn\u0259d\u0259k m\u0259qbul hesab edilm\u0259yib.<\/p>\n

H\u0259r halda bel\u0259 bir qanunun q\u0259bul edilm\u0259si ona imkan yarada bil\u0259rdi ki, t\u0259l\u0259b\u0259l\u0259r he\u00e7 olmasa \u00f6d\u0259ni\u015f v\u0259saitini \u0259ld\u0259 etm\u0259kl\u0259 t\u0259hsil ald\u0131qlar\u0131 m\u00fcdd\u0259td\u0259 sosial qay\u011f\u0131lardan m\u00fc\u0259yy\u0259n q\u0259d\u0259r uzaqla\u015fard\u0131lar.<\/p>\n

T\u0259hsilini bitirib i\u015fl\u0259dikc\u0259 is\u0259 borclar\u0131n\u0131 qaytarmaq imkan\u0131 \u0259ld\u0259 ed\u0259 bil\u0259rdil\u0259r. D\u00f6vl\u0259tin d\u0259 qazanc\u0131 o olard\u0131 ki, ixtisasl\u0131 kadr haz\u0131rlan\u0131r, h\u0259min t\u0259l\u0259b\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259rdikc\u0259, \u00f6lk\u0259nin inki\u015faf\u0131na, t\u0259bii ki, \u00f6z t\u00f6hf\u0259sini ver\u0259c\u0259k\u201d.<\/p>\n

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Nadir \u0130srafilov bildirib ki, T\u00fcrkiy\u0259d\u0259 universitetl\u0259rd\u0259 t\u0259hsil alan t\u0259l\u0259b\u0259l\u0259rin say\u0131 yeddi milyon 560 min n\u0259f\u0259r, kredit alan t\u0259l\u0259b\u0259l\u0259rin say\u0131 bir milyon 632 min 438 n\u0259f\u0259rdir (2002-ci ild\u0259 bu r\u0259q\u0259m 451 min 550 n\u0259f\u0259r olub):<\/p>\n

\u201cD\u00fcnya t\u0259cr\u00fcb\u0259sind\u0259 ayr\u0131-ayr\u0131 i\u015f adamlar\u0131, \u015firk\u0259tl\u0259r, imkanl\u0131 \u015f\u0259xsl\u0259r bu m\u0259s\u0259l\u0259l\u0259r\u0259 d\u0259st\u0259k\u00e7idir. Bizd\u0259 is\u0259 bu m\u0259s\u0259l\u0259 h\u0259l\u0259lik \u00f6z h\u0259llini tapa bilmir. Halbuki Az\u0259rbaycan tarixind\u0259 bu, yeni m\u0259s\u0259l\u0259 hesab oluna bilm\u0259z. Bizim m\u0259\u015fhur xeyriyy\u0259\u00e7il\u0259rimiz olub.<\/p>\n

Ta\u011f\u0131yevl\u0259r, Na\u011f\u0131yevl\u0259r m\u0259kt\u0259bl\u0259r a\u00e7\u0131blar, xeyli g\u0259nci xaricd\u0259 oxudublar.\u00a0Bu kimi n\u00fcmun\u0259l\u0259r kifay\u0259t q\u0259d\u0259r \u00e7oxdur. Bir halda ki, bizd\u0259 bel\u0259 bir \u0259n\u0259n\u0259 olub, niy\u0259 bu \u0259n\u0259n\u0259ni inki\u015faf etdirm\u0259y\u0259k? Hesab edir\u0259m ki, bu \u0259n\u0259n\u0259l\u0259rin yenid\u0259n b\u0259rpa olunmas\u0131na ehtiyac var\u201d.<\/p>\n

Qeyd ed\u0259k ki,\u00a0haz\u0131rda 54 ali t\u0259hsil m\u00fc\u0259ssis\u0259sind\u0259 160 min\u0259 yax\u0131n t\u0259l\u0259b\u0259 t\u0259hsil al\u0131r. Onlar\u0131n 70 faizi \u00f6z v\u0259saiti hesab\u0131na, y\u0259ni, \u00f6d\u0259ni\u015fli \u0259saslarla, 30 faizi is\u0259 d\u00f6vl\u0259t b\u00fcdc\u0259si v\u0259saiti hesab\u0131na t\u0259hsill\u0259rini davam etdirirl\u0259r.oxu.az<\/p>\n","protected":false},"excerpt":{"rendered":"

T\u0259hsil ekspertl\u0259rinin bildirdiyin\u0259 g\u00f6r\u0259, son be\u015f ild\u0259 Az\u0259rbaycanda yeddi mind\u0259n \u00e7ox t\u0259l\u0259b\u0259 t\u0259hsil haqq\u0131n\u0131 \u00f6d\u0259y\u0259 bilm\u0259diyi \u00fc\u00e7\u00fcn ali t\u0259hsil almaqdan m\u0259hrum olub. I-II kursda \u00e7\u0259tinlikl\u0259 oxuya bil\u0259n t\u0259l\u0259b\u0259l\u0259r, n\u00f6vb\u0259ti ill\u0259rin t\u0259hsil haqq\u0131n\u0131 \u00f6d\u0259y\u0259 bilm\u0259diyi \u00fc\u00e7\u00fcn universitetd\u0259n imtina etm\u0259li olublar. ARANTV.AZ-\u0131n m\u0259lumat\u0131na g\u00f6r\u0259, bir ne\u00e7\u0259 g\u00fcn \u00f6nc\u0259 maliyy\u0259 naziri\u00a0Samir \u015e\u0259rifov\u00a0Milli M\u0259clisd\u0259 b\u00fcdc\u0259 m\u00fczakir\u0259l\u0259ri zaman\u0131 t\u0259hsil kreditl\u0259ri il\u0259 ba\u011fl\u0131 dan\u0131\u015fan zaman bildirib ki, t\u0259hsil krediti alanlar\u0131n o krediti qaytarmas\u0131 b\u00f6y\u00fck bir suald\u0131r: \u201cBizim bank t\u0259\u015fkilatlar\u0131m\u0131z bu riski \u00f6z \u00fcz\u0259ril\u0259rin\u0259 g\u00f6t\u00fcrm\u0259k ist\u0259mirl\u0259r. Yax\u015f\u0131, buna d\u00f6vl\u0259t m\u00fcdaxil\u0259 ets\u0259, b\u0259ri ba\u015fdan etiraf ed\u0259k ki, bu…<\/p>\n","protected":false},"author":2,"featured_media":23569,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[1],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/11\/tehsil.jpg",620,335,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/11\/tehsil.jpg",620,335,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/11\/tehsil.jpg",620,335,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/11\/tehsil-150x150.jpg",150,150,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/11\/tehsil-300x162.jpg",300,162,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/11\/tehsil.jpg",620,335,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/11\/tehsil.jpg",620,335,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/11\/tehsil.jpg",620,335,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/11\/tehsil-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2018\/11\/tehsil.jpg",620,335,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"C\u0259miyy\u0259t<\/a>","rttpg_excerpt":"T\u0259hsil ekspertl\u0259rinin bildirdiyin\u0259 g\u00f6r\u0259, son be\u015f ild\u0259 Az\u0259rbaycanda yeddi mind\u0259n \u00e7ox t\u0259l\u0259b\u0259 t\u0259hsil haqq\u0131n\u0131 \u00f6d\u0259y\u0259 bilm\u0259diyi \u00fc\u00e7\u00fcn ali t\u0259hsil almaqdan m\u0259hrum olub. I-II kursda \u00e7\u0259tinlikl\u0259 oxuya bil\u0259n t\u0259l\u0259b\u0259l\u0259r, n\u00f6vb\u0259ti ill\u0259rin t\u0259hsil haqq\u0131n\u0131 \u00f6d\u0259y\u0259 bilm\u0259diyi \u00fc\u00e7\u00fcn universitetd\u0259n imtina etm\u0259li olublar. ARANTV.AZ-\u0131n m\u0259lumat\u0131na g\u00f6r\u0259, bir ne\u00e7\u0259 g\u00fcn \u00f6nc\u0259 maliyy\u0259 naziri\u00a0Samir \u015e\u0259rifov\u00a0Milli M\u0259clisd\u0259 b\u00fcdc\u0259 m\u00fczakir\u0259l\u0259ri zaman\u0131 t\u0259hsil kreditl\u0259ri…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/23568"}],"collection":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=23568"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/23568\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/23569"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23568"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23568"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23568"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}