{"id":679089,"date":"2024-01-12T11:27:49","date_gmt":"2024-01-12T07:27:49","guid":{"rendered":"https:\/\/arantv.az\/?p=679089"},"modified":"2024-01-12T11:27:49","modified_gmt":"2024-01-12T07:27:49","slug":"olk%c9%99mizd%c9%99-oz%c9%99l-pensiya-fondlarinin-yaradilmasi-hansi-yenilikl%c9%99r%c9%99-s%c9%99b%c9%99b-olacaq-arasdirma-foto","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=679089","title":{"rendered":"\u00d6lk\u0259mizd\u0259 \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131lmas\u0131 hans\u0131 yenilikl\u0259r\u0259 s\u0259b\u0259b olacaq? &#8211; ARA\u015eDIRMA + FOTO"},"content":{"rendered":"<p>\u018fm\u0259k v\u0259 \u018fhalinin Sosial M\u00fcdafi\u0259si Nazirliyi yan\u0131nda D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fondunun (DSMF) s\u0259dri Himalay M\u0259mi\u015fov yanvar\u0131n 10-da qurumun 2023-c\u00fc il \u00fczr\u0259 hesabat t\u0259dbirind\u0259 Az\u0259rbaycanda \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131laca\u011f\u0131 bar\u0259d\u0259 m\u0259lumat verib.<\/p>\n<p>DSMF s\u0259dri bununla ba\u011fl\u0131 normativ s\u0259n\u0259dl\u0259rin tam haz\u0131rland\u0131\u011f\u0131n\u0131 v\u0259 bir ay \u0259rzind\u0259 layih\u0259l\u0259rin aidiyy\u0259ti qurumlara g\u00f6nd\u0259ril\u0259c\u0259yini d\u0259 diqq\u0259t\u0259 \u00e7atd\u0131r\u0131b.<\/p>\n<p>Qeyd ed\u0259k ki, fondlar\u0131n yarad\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 ilk m\u00fczakir\u0259l\u0259r 2006-c\u0131 ild\u0259 ba\u015flay\u0131b v\u0259 h\u0259l\u0259 d\u0259 davam edir. \u0130st\u0259r MDB, ist\u0259rs\u0259 d\u0259 bir \u00e7ox Avropa d\u00f6vl\u0259tl\u0259rind\u0259 bel\u0259 fondlar yarad\u0131l\u0131b v\u0259 y\u00fcks\u0259k s\u0259viyy\u0259d\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259rir.<\/p>\n<p>H\u0259min d\u00f6vl\u0259tl\u0259rin t\u0259cr\u00fcb\u0259si g\u00f6st\u0259rir ki, v\u0259t\u0259nda\u015flar \u00f6z\u0259l pensiya fondlar\u0131ndan \u00e7ox s\u0131x \u015f\u0259kild\u0259 istifad\u0259 edirl\u0259r. Bu fond imkan verir ki, v\u0259t\u0259nda\u015f pensiya ya\u015f\u0131na \u00e7atd\u0131qda yaln\u0131z d\u00f6vl\u0259td\u0259n deyil, h\u0259m\u00e7inin \u00f6z\u0259l fonddan pensiya ala bilsin.<\/p>\n<p><strong>\u00d6z\u0259l pensiya fondu n\u0259dir?<\/strong><\/p>\n<p>\u00d6z\u0259l fond sosial s\u0131\u011forta v\u0259saitl\u0259rinin d\u00f6vr etdirilm\u0259sini, pensiyan\u0131n t\u0259yinini v\u0259 \u00f6d\u0259nilm\u0259sini h\u0259yata ke\u00e7irir. D\u00f6vl\u0259t pensiya fondlar\u0131ndan f\u0259rqli olaraq, \u0259halinin \u00f6z qazanc\u0131 hesab\u0131na y\u0131\u011fd\u0131\u011f\u0131 t\u0259qa\u00fcdl\u0259rin saxlanmas\u0131 \u00fc\u00e7\u00fcn yarad\u0131lan bazad\u0131r. Bu fondlar, \u0259sas\u0259n, v\u0259t\u0259nda\u015flar\u0131n \u00f6d\u0259diyi sosial s\u0131\u011forta v\u0259saitl\u0259rinin d\u00f6vriyy\u0259sini t\u0259\u015fkil edib, ondan \u0259lav\u0259 v\u0259saitl\u0259r \u0259ld\u0259 edir. Sonra is\u0259 bu v\u0259saitl\u0259r hesab\u0131na pensiya t\u0259minat\u0131n\u0131 y\u00fcks\u0259ldir.<\/p>\n<p>\u00d6z\u0259l pensiya fondlar\u0131 vasit\u0259sil\u0259 bir \u00e7ox \u00f6lk\u0259l\u0259r pensiya t\u0259minat\u0131n\u0131n y\u00fcks\u0259ldilm\u0259sin\u0259 nail olublar. Haz\u0131rda Almaniya, B\u00f6y\u00fck Britaniya, \u0130rlandiya, T\u00fcrkiy\u0259 v\u0259 s. \u00f6lk\u0259l\u0259rd\u0259 \u00f6z\u0259l t\u0259qa\u00fcd fondlar\u0131 f\u0259aliyy\u0259t g\u00f6st\u0259rir. Xarici t\u0259cr\u00fcb\u0259d\u0259 v\u0259t\u0259nda\u015f \u00f6z\u0259l pensiya fonduna ist\u0259diyi q\u0259d\u0259r s\u0131\u011forta haqq\u0131 \u00f6d\u0259y\u0259 bil\u0259r. Sonda is\u0259 pensiyaya \u00e7\u0131xanda h\u0259min m\u0259bl\u0259\u011f art\u0131qlamas\u0131 il\u0259 ona geri qay\u0131dacaq. Bu imkan verir ki, v\u0259t\u0259nda\u015f daha yax\u015f\u0131 t\u0259min olunmu\u015f pensiya \u0259ld\u0259 etsin. \u00c7\u00fcnki pensiya ya\u015f\u0131 tamam olan zaman o h\u0259m d\u00f6vl\u0259t, h\u0259m d\u0259 \u00f6z\u0259l pensiya fondundan \u00f6d\u0259ni\u015fl\u0259r\u0259 uy\u011fun pensiya \u0259ld\u0259 etm\u0259k imkan\u0131 qazan\u0131r.<\/p>\n<p><strong>Az\u0259rbaycanda pensiya t\u0259minat\u0131<\/strong><\/p>\n<p>M\u0259lumdur ki, \u00f6lk\u0259mizd\u0259 pensiya t\u0259minat\u0131 D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fondu t\u0259r\u0259find\u0259n h\u0259yata ke\u00e7irilir v\u0259 t\u0259qa\u00fcd\u0259 \u00e7\u0131xan v\u0259t\u0259nda\u015flar Az\u0259rbaycan Respublikas\u0131n\u0131n qanunlar\u0131 \u00e7\u0259r\u00e7iv\u0259sind\u0259 d\u00f6vl\u0259t t\u0259r\u0259find\u0259n m\u00fc\u0259yy\u0259n olunmu\u015f m\u0259bl\u0259\u011fd\u0259 ayl\u0131q pensiya al\u0131rlar.<\/p>\n<p>Qurum is\u0259 m\u0259cburi d\u00f6vl\u0259t sosial s\u0131\u011fortas\u0131 v\u0259 k\u00f6n\u00fcll\u00fc (\u0259lav\u0259) sosial s\u0131\u011forta, d\u00f6vl\u0259t icbari \u015f\u0259xsi s\u0131\u011forta, \u0259halinin \u0259m\u0259k pensiyalar\u0131, sosial m\u00fcavin\u0259tl\u0259r, \u00fcnvanl\u0131 d\u00f6vl\u0259t sosial yard\u0131m\u0131 il\u0259, t\u0259qa\u00fcd v\u0259 kompensasiyalarla, habel\u0259 Az\u0259rbaycan qanunlar\u0131, Az\u0259rbaycan Prezidentinin v\u0259 Nazirl\u0259r Kabinetinin aktlar\u0131 il\u0259 n\u0259z\u0259rd\u0259 tutulmu\u015f dig\u0259r \u00f6d\u0259ni\u015fl\u0259rl\u0259 t\u0259min edilm\u0259si sah\u0259sind\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259r\u0259n publik h\u00fcquqi \u015f\u0259xs kimi f\u0259aliyy\u0259t g\u00f6st\u0259rir.<\/p>\n<p><strong>B\u0259s v\u0259t\u0259nda\u015flar bu v\u0259saitl\u0259ri nec\u0259 \u0259ld\u0259 edirl\u0259r?<\/strong><\/p>\n<p>M\u00f6vcud qanunvericiliy\u0259 \u0259sas\u0259n, \u0259m\u0259k qabiliyy\u0259tli bir v\u0259t\u0259nda\u015f leqal \u015f\u0259kild\u0259 v\u0259 \u0259m\u0259k qanunvericiliyin\u0259 uy\u011fun \u015f\u0259kild\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259rdiyi d\u00f6vrd\u0259 h\u0259r ay m\u0259vacibind\u0259n m\u00fc\u0259yy\u0259n faizd\u0259 v\u0259sait tutulur v\u0259 sosial s\u0131\u011forta haqq\u0131 \u015f\u0259klind\u0259 DSMF-d\u0259ki \u015f\u0259xsi hesab\u0131na k\u00f6\u00e7\u00fcr\u00fcl\u00fcr. Pensiya ya\u015f\u0131na \u00e7\u0131xd\u0131qda is\u0259 bunu h\u0259r ay pensiya \u015f\u0259klind\u0259 geri al\u0131r. DSMF s\u0259drinin bu a\u00e7\u0131qlamas\u0131 is\u0259 g\u00f6st\u0259rir ki, art\u0131q i\u015fl\u0259r\u0259 ba\u015flan\u0131l\u0131r v\u0259 yax\u0131n m\u00fcdd\u0259t \u0259rzind\u0259 fondlar\u0131n yarad\u0131lmas\u0131 prosesin\u0259 start veril\u0259c\u0259k.<\/p>\n<p><strong>Bu fondlar v\u0259t\u0259nda\u015flar\u0131n pensiya t\u0259minat\u0131na nec\u0259 t\u0259sir ed\u0259c\u0259k?<\/strong><\/p>\n<p>Bizim.media-n\u0131n m\u00f6vzu il\u0259 ba\u011fl\u0131 suallar\u0131n\u0131 cavabland\u0131ran iqtisad\u00e7\u0131-ekspert Akif N\u0259sirli h\u0259l\u0259 2016-c\u0131 ild\u0259 \u00f6lk\u0259d\u0259 pensiya islahatlar\u0131na start veril\u0259rk\u0259n bu fondlar\u0131n yarad\u0131lmas\u0131n\u0131n n\u0259z\u0259rd\u0259 tutuldu\u011funu xat\u0131rlad\u0131b:<\/p>\n<p>&nbsp;<\/p>\n<div class=\"gallery\">\n<div class=\"gallery-i\"><img src=\"https:\/\/cdn.oxu.az\/uploads\/W1siZiIsIjIwMjQvMDEvMTIvMTAvNTMvMjgvZWE3YmM5MTEtYjQ0ZC00ZmU0LTk2NjMtMzJmODYyNTdlNTE5L0ZvdG9KZXQgKDEpICgxKSAoMSkgKDEpLmpwZyJdLFsicCIsImVuY29kZSIsImpwZyIsIi1xdWFsaXR5IDgwIl0sWyJwIiwidGh1bWIiLCI1OTB4NTkwXHUwMDNlIl1d?sha=082c12baa44f50aa\" alt=\"\" \/><\/p>\n<div class=\"gallery-i-caption\"><\/div>\n<\/div>\n<\/div>\n<p>\u201cHaz\u0131rda \u00f6lk\u0259mizd\u0259 \u0259m\u0259kqabiliyy\u0259tli v\u0259t\u0259nda\u015flar\u0131n \u00f6d\u0259dikl\u0259ri sosial s\u0131\u011fortalar hesab\u0131na t\u0259qa\u00fcd\u00e7\u00fcl\u0259r\u0259 pensiya \u00f6d\u0259nilir. H\u0259min islahatda is\u0259 bu sistemin l\u0259\u011fv edilm\u0259si v\u0259 \u015f\u0259xsi u\u00e7ot sistemin\u0259 ke\u00e7ilm\u0259si n\u0259z\u0259rd\u0259 tutuImu\u015fdu\u201d.<\/p>\n<p>\u00d6z\u0259l pensiya fondlar\u0131n\u0131n i\u015f prinsipini \u015f\u0259rh ed\u0259n iqtisad\u00e7\u0131 vur\u011fulay\u0131b ki, h\u0259r bir \u0259m\u0259kqabiliyy\u0259tli v\u0259t\u0259nda\u015f burada pensiya ya\u015f\u0131na \u00e7atana q\u0259d\u0259r i\u015fl\u0259y\u0259r\u0259k \u00f6z\u00fc \u00fc\u00e7\u00fcn pensiya kapital\u0131 toplay\u0131r:<\/p>\n<p>\u201cT\u0259qa\u00fcd\u0259 \u00e7\u0131xd\u0131qda is\u0259 buna uy\u011fun olaraq pensiya m\u0259bl\u0259\u011fi m\u00fc\u0259yy\u0259n edilir. Ancaq haz\u0131rda bu sistem deyil, klassik qaydalar t\u0259tbiq olunur. \u018fslind\u0259 is\u0259 bu g\u00fcn \u00f6z\u0259l fondlar\u0131n yarad\u0131lmas\u0131 vacibdir. Bel\u0259 ki, v\u0259t\u0259nda\u015f i\u015fi m\u00fcqabilind\u0259 ald\u0131\u011f\u0131 ayl\u0131q m\u0259vacibd\u0259n tutulan sosial s\u0131\u011forta haqq\u0131n\u0131 h\u0259r ay DSMF-y\u0259 \u00f6d\u0259yir. Ancaq sonradan \u0259riz\u0259 il\u0259 bu quruma m\u00fcraci\u0259t edir v\u0259 sosial s\u0131\u011fortas\u0131n\u0131n yeni fonda k\u00f6\u00e7\u00fcr\u00fclm\u0259sini xahi\u015f edir. Bundan sonra h\u0259min m\u0259bl\u0259\u011f buraya \u00f6d\u0259nilir. Burada onun \u00fc\u00e7\u00fcn \u015f\u0259xsi hesab a\u00e7\u0131l\u0131r v\u0259 m\u0259bl\u0259\u011f burada toplan\u0131l\u0131r. V\u0259t\u0259nda\u015f pensiyaya \u00e7\u0131xd\u0131qda is\u0259 onun \u00fc\u00e7\u00fcn \u00f6d\u0259ni\u015f bazas\u0131na \u00e7evrilir. D\u00fczd\u00fcr, d\u00f6vl\u0259t b\u00fcdc\u0259sind\u0259n d\u0259 buraya m\u00fc\u0259yy\u0259n m\u0259bl\u0259\u011fd\u0259 v\u0259saitl\u0259r \u00f6d\u0259nilir, amma \u0259sas baza hiss\u0259si v\u0259t\u0259nda\u015f\u0131n sosial \u00f6d\u0259ni\u015fl\u0259ri hesab\u0131na formala\u015f\u0131r\u201d.<\/p>\n<p><strong>\u201c\u0130lk n\u00f6vb\u0259d\u0259 pensiya t\u0259minat\u0131 sistemi d\u0259yi\u015fdirilm\u0259lidir\u201d<\/strong><\/p>\n<p>A.N\u0259sirlinin fikrinc\u0259, DSMF il\u0259 r\u0259qab\u0259t apara bil\u0259n bir fondun tam formala\u015fmas\u0131 \u00fc\u00e7\u00fcn ilk n\u00f6vb\u0259d\u0259 sosial islahatlar h\u0259yata ke\u00e7irilm\u0259lidir:<\/p>\n<p>\u201c\u0130lk n\u00f6vb\u0259d\u0259 pensiya t\u0259minat\u0131 sistemi d\u0259yi\u015fdirilm\u0259lidir. Bel\u0259 ki, h\u0259r k\u0259sin \u00f6z g\u0259l\u0259c\u0259yini t\u0259min ed\u0259c\u0259yi pensiya y\u0131\u011f\u0131m\u0131 prosesin\u0259 ke\u00e7ilm\u0259lidir. Dig\u0259r t\u0259r\u0259fd\u0259n is\u0259 \u0259m\u0259k bazar\u0131 yenid\u0259n formala\u015fmal\u0131 v\u0259 qeyri-leqal i\u015f yerl\u0259ri leqalla\u015fmal\u0131d\u0131r. Bu g\u00fcn 5,5 milyon \u0259m\u0259kqabiliyy\u0259tli \u0259halinin c\u0259mi iki milyon n\u0259f\u0259r\u0259 yax\u0131n\u0131 \u0259m\u0259k m\u00fcqavil\u0259si il\u0259 \u00e7al\u0131\u015f\u0131r.<\/p>\n<p>Bu bax\u0131mdan da 5,5 milyon \u0259halinin ham\u0131s\u0131 r\u0259smi i\u015fl\u0259 t\u0259min olunmal\u0131, \u0259m\u0259khaqq\u0131 almal\u0131, g\u0259l\u0259c\u0259k pensiyas\u0131 \u00fc\u00e7\u00fcn sosial \u00f6d\u0259ni\u015fl\u0259r etm\u0259li v\u0259 \u00f6z\u0259l fondda \u00f6z hesab\u0131n\u0131 formala\u015fd\u0131rmal\u0131d\u0131r\u201d.<\/p>\n<p><strong>Yeni Zelandiya t\u0259cr\u00fcb\u0259sind\u0259n istinadlar\u2026<\/strong><\/p>\n<p>Bu sah\u0259d\u0259 Yeni Zelandiya t\u0259cr\u00fcb\u0259sin\u0259 istinad ed\u0259n A.N\u0259sirli bildirib ki, bel\u0259 fondlarda toplanan s\u0131\u011forta v\u0259saitl\u0259ri \u0259n y\u00fcks\u0259k g\u0259lirli banklarda ilk n\u00f6vb\u0259d\u0259 depozit kimi saxlan\u0131l\u0131r:<\/p>\n<p>\u201cYaxud da hans\u0131sa s\u0259hml\u0259r\u0259 yat\u0131r\u0131l\u0131r. Bir s\u00f6zl\u0259, pul hesabda saxlan\u0131lm\u0131r, fond t\u0259r\u0259find\u0259n d\u00f6vriyy\u0259y\u0259 burax\u0131l\u0131r v\u0259 \u00fcz\u0259rin\u0259 \u0259lav\u0259 v\u0259saitl\u0259r g\u0259lir. B\u0259zi hallarda is\u0259 \u015f\u0259xsi hesablardak\u0131 bu v\u0259saitl\u0259r illik inflyasiyadan iki d\u0259f\u0259 \u00e7ox g\u0259lirl\u0259rin \u0259ld\u0259 edilm\u0259sin\u0259 s\u0259b\u0259b olur. \u018fg\u0259r illik inflyasiya 10 faizdirs\u0259, illik g\u0259lirl\u0259r 25-30 faiz t\u0259\u015fkil edir.<\/p>\n<p>V\u0259saitin m\u00fc\u0259yy\u0259n hiss\u0259si fondun saxlan\u0131lmas\u0131 v\u0259 m\u0259nf\u0259\u0259ti \u00fc\u00e7\u00fcn g\u00f6t\u00fcr\u00fcl\u00fcr, qalan hiss\u0259 is\u0259 yeni yat\u0131r\u0131lan v\u0259saitin dividendi olur v\u0259 birba\u015fa \u015f\u0259xsi hesaba k\u00f6\u00e7\u00fcr\u00fcl\u00fcr. Buna g\u00f6r\u0259 d\u0259 \u00f6z\u0259l fondlarda v\u0259t\u0259nda\u015flar bir ne\u00e7\u0259 d\u0259f\u0259 y\u00fcks\u0259k m\u0259bl\u0259\u011fd\u0259 pensiyalar \u00f6d\u0259yir. Bel\u0259 olan halda is\u0259 d\u00f6vl\u0259tin y\u00fck\u00fc azal\u0131r\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u018fm\u0259k v\u0259 \u018fhalinin Sosial M\u00fcdafi\u0259si Nazirliyi yan\u0131nda D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fondunun (DSMF) s\u0259dri Himalay M\u0259mi\u015fov yanvar\u0131n 10-da qurumun 2023-c\u00fc il \u00fczr\u0259 hesabat t\u0259dbirind\u0259 Az\u0259rbaycanda \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131laca\u011f\u0131 bar\u0259d\u0259 m\u0259lumat verib. DSMF s\u0259dri bununla ba\u011fl\u0131 normativ s\u0259n\u0259dl\u0259rin tam haz\u0131rland\u0131\u011f\u0131n\u0131 v\u0259 bir ay \u0259rzind\u0259 layih\u0259l\u0259rin aidiyy\u0259ti qurumlara g\u00f6nd\u0259ril\u0259c\u0259yini d\u0259 diqq\u0259t\u0259 \u00e7atd\u0131r\u0131b. Qeyd ed\u0259k ki, fondlar\u0131n yarad\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 ilk m\u00fczakir\u0259l\u0259r 2006-c\u0131 ild\u0259 ba\u015flay\u0131b v\u0259 h\u0259l\u0259 d\u0259 davam edir. \u0130st\u0259r MDB, ist\u0259rs\u0259 d\u0259 bir \u00e7ox Avropa d\u00f6vl\u0259tl\u0259rind\u0259 bel\u0259 fondlar yarad\u0131l\u0131b v\u0259 y\u00fcks\u0259k s\u0259viyy\u0259d\u0259 f\u0259aliyy\u0259t g\u00f6st\u0259rir. H\u0259min d\u00f6vl\u0259tl\u0259rin t\u0259cr\u00fcb\u0259si g\u00f6st\u0259rir ki, v\u0259t\u0259nda\u015flar \u00f6z\u0259l&hellip;<\/p>\n","protected":false},"author":2,"featured_media":679090,"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":[19],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/1704977404_photo_5260723850109375042_x.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/1704977404_photo_5260723850109375042_x.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/1704977404_photo_5260723850109375042_x.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/1704977404_photo_5260723850109375042_x-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/1704977404_photo_5260723850109375042_x-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/1704977404_photo_5260723850109375042_x.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/1704977404_photo_5260723850109375042_x.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/1704977404_photo_5260723850109375042_x.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/1704977404_photo_5260723850109375042_x-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/01\/1704977404_photo_5260723850109375042_x.jpg",620,413,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/arantv.az\/?cat=19\" rel=\"category\">G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"\u018fm\u0259k v\u0259 \u018fhalinin Sosial M\u00fcdafi\u0259si Nazirliyi yan\u0131nda D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fondunun (DSMF) s\u0259dri Himalay M\u0259mi\u015fov yanvar\u0131n 10-da qurumun 2023-c\u00fc il \u00fczr\u0259 hesabat t\u0259dbirind\u0259 Az\u0259rbaycanda \u00f6z\u0259l pensiya fondlar\u0131n\u0131n yarad\u0131laca\u011f\u0131 bar\u0259d\u0259 m\u0259lumat verib. DSMF s\u0259dri bununla ba\u011fl\u0131 normativ s\u0259n\u0259dl\u0259rin tam haz\u0131rland\u0131\u011f\u0131n\u0131 v\u0259 bir ay \u0259rzind\u0259 layih\u0259l\u0259rin aidiyy\u0259ti qurumlara g\u00f6nd\u0259ril\u0259c\u0259yini d\u0259 diqq\u0259t\u0259 \u00e7atd\u0131r\u0131b. Qeyd ed\u0259k ki, fondlar\u0131n yarad\u0131lmas\u0131&hellip;","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/679089"}],"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=679089"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/679089\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/679090"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=679089"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=679089"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=679089"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}