{"id":746480,"date":"2024-08-21T10:30:42","date_gmt":"2024-08-21T06:30:42","guid":{"rendered":"https:\/\/arantv.az\/?p=746480"},"modified":"2024-08-21T10:30:42","modified_gmt":"2024-08-21T06:30:42","slug":"islam-bankciligi-o-%c9%99jdahadan-bizd%c9%99-h%c9%99l%c9%99-d%c9%99-yoxdur","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=746480","title":{"rendered":"\u0130slam bank\u00e7\u0131l\u0131\u011f\u0131: \u201cO \u0259jdahadan\u201d bizd\u0259 h\u0259l\u0259 d\u0259 yoxdur…"},"content":{"rendered":"
\n

Ekspert: \u201cEl\u0259 bir \u015f\u0259ffafl\u0131q olmal\u0131d\u0131r ki, v\u0259t\u0259nda\u015f aldanmaqdan \u015f\u00fcbh\u0259l\u0259nm\u0259sin, \u00e7\u00fcnki…\u201d<\/strong><\/p>\n

Az\u0259rbaycanda \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131 sistemi yarad\u0131laca\u011f\u0131 haqda x\u0259b\u0259rl\u0259r yeni deyil. Son olaraq M\u0259rk\u0259zi Bank\u0131n\u0131n \u0130dar\u0259 Hey\u0259ti \u201c2024-2026-c\u0131 ill\u0259rd\u0259 maliyy\u0259 sektorunun inki\u015faf Strategiyas\u0131\u201d t\u0259sdiq olunub. S\u00f6z\u00fcged\u0259n s\u0259n\u0259dd\u0259 \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131n\u0131n inki\u015faf\u0131n\u0131n \u00f6z \u0259ksini tapd\u0131\u011f\u0131 deyilir.<\/p>\n

\u0130slam bank\u00e7\u0131l\u0131\u011f\u0131 haqda \u201cVikipediya\u201d da yaz\u0131l\u0131r: \u201cB\u00fct\u00fcn alq\u0131-satq\u0131 v\u0259 kiray\u0259 \u0259m\u0259liyyatlar\u0131nda yaln\u0131z real y\u0259ni g\u00f6z \u00f6n\u00fcnd\u0259 olan aktivl\u0259r\u0259 \u0259saslanan v\u0259 \u015f\u0259ri\u0259t qaydalar\u0131n\u0131 \u00f6z\u00fcnd\u0259 ehtiva ed\u0259n bir iqtisadi mexanizm. Bu n\u00f6v bank\u00e7\u0131l\u0131qda faizl\u0259r (\u0259r\u0259bc\u0259 “Riba”) qada\u011fand\u0131r v\u0259 \u0259m\u0259liyyatlar xeyir v\u0259 z\u0259r\u0259rd\u0259 \u201cm\u00fc\u015ft\u0259r\u0259klik\u201d prinsipi \u0259sas\u0131nda h\u0259yata ke\u00e7irilir”.<\/p>\n

Y\u0259ni v\u0259t\u0259nda\u015f bankdan alaca\u011f\u0131 kredit hesab\u0131na biznes qurma\u011f\u0131 planla\u015fd\u0131r\u0131rsa, \u0259sas m\u0259bl\u0259\u011fl\u0259 yana\u015f\u0131 qazanc\u0131n\u0131n m\u00fc\u0259yy\u0259n hiss\u0259sini m\u00fcqavil\u0259d\u0259 g\u00f6st\u0259ril\u0259n m\u00fcdd\u0259t \u0259rzind\u0259 bankla b\u00f6l\u00fc\u015f\u00fcr. Borca g\u00f6r\u0259 d\u0259bb\u0259 pulu hesablanm\u0131r, t\u0259qdim edil\u0259n kreditl\u0259r\u0259 g\u00f6r\u0259 faiz tutulmur. \u018fg\u0259r v\u0259t\u0259nda\u015f z\u0259ruri sosialy\u00f6n\u00fcml\u00fc ehtiyaclar\u0131 \u00fc\u00e7\u00fcn kredit g\u00f6t\u00fcr\u00fcrs\u0259, yaln\u0131z h\u0259min m\u0259bl\u0259\u011fi geri qaytar\u0131r.<\/strong><\/p>\n

Qeyd ed\u0259k ki, ilk d\u0259f\u0259 \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131 1970-ci ild\u0259 yaran\u0131b. H\u0259min d\u00f6vrd\u0259n \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131 d\u00fcnyan\u0131n bir \u00e7ox \u00f6lk\u0259l\u0259rind\u0259 yay\u0131lma\u011fa ba\u015flay\u0131b. M\u0259s\u0259l\u0259n, \u018fbu-Dabi, B\u0259hreyn, Dubay, Q\u0259t\u0259r, K\u00fcveyt, S\u0259udiyy\u0259 \u018fr\u0259bistan\u0131, \u0130ndoneziya, Malayziya v\u0259 Sinqapurda \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131 var. Az\u0259rbaycanda olmad\u0131\u011f\u0131 kimi, qarda\u015f \u00f6lk\u0259 T\u00fcrkiy\u0259d\u0259 d\u0259 \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131 yoxdur. T\u00fcrkiy\u0259 prezidenti R\u0259c\u0259b Tayyib \u018frdo\u011fan ill\u0259r \u00f6nc\u0259 m\u00f6vqeyini bel\u0259 izah edib ki, \u0259g\u0259r faizsiz bank\u00e7\u0131l\u0131\u011fa islam donu geydirils\u0259, bu, g\u0259l\u0259c\u0259kd\u0259 T\u00fcrkiy\u0259\u00a0 \u00fc\u00e7\u00fcn b\u00f6y\u00fck problem yarada bil\u0259r.<\/p>\n

Pulun dini, mill\u0259ti, v\u0259t\u0259ni olmad\u0131\u011f\u0131n\u0131 s\u00f6yl\u0259y\u0259n \u018frdo\u011fan \u201cPul civ\u0259 kimidir, harada m\u00fcnasib \u015f\u0259rait tap\u0131rsa, ora da ax\u0131r\u201d, deyib.<\/strong><\/p>\n

\u0130qtisad\u00e7\u0131 \u018fkr\u0259m H\u0259s\u0259nov Bizimyol.info x\u0259b\u0259r portal\u0131na a\u00e7\u0131qlamas\u0131nda bildirib ki, bu sistem n\u0259inki islam \u00f6lk\u0259l\u0259rind\u0259, h\u0259tta b\u0259zi xristian \u00f6lk\u0259l\u0259rind\u0259, m\u0259s\u0259l\u0259n, \u0130ngilt\u0259r\u0259d\u0259 d\u0259 var. \u201c\u0130ll\u0259rdir deyirdil\u0259r ki, guya qanun yaz\u0131rlar. He\u00e7 n\u0259 d\u0259 etm\u0259dil\u0259r\u201d. \u0130qtisad\u00e7\u0131 vur\u011fulay\u0131b ki, \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131 m\u00f6vcud bank sisteminin bankirl\u0259rin\u0259 s\u0259rf etmir.<\/p>\n

Ke\u015fmi\u015f SSR\u0130 m\u0259kan\u0131nda \u0130slam bankinqind\u0259n u\u011furla yararlanan \u00f6lk\u0259l\u0259r Qazax\u0131stan v\u0259 Q\u0131r\u011f\u0131z\u0131stand\u0131r. Qazax\u0131standa bu bank\u0131n f\u0259aliyy\u0259ti il\u0259 ba\u011fl\u0131 x\u00fcsusi qanun da q\u0259bul olunub. Qanun haz\u0131rlanmas\u0131 yar\u0131m il \u00e7\u0259kib.<\/strong><\/p>\n

Bank m\u0259s\u0259l\u0259l\u0259ri \u00fczr\u0259 ekspert Elman Sad\u0131qov m\u00f6vzu il\u0259 ba\u011fl\u0131 \u201cYeni M\u00fcsavat\u201da dedi ki, \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131n\u0131n inki\u015faf\u0131 b\u00fct\u00fcn d\u00fcnyada l\u0259ng gedir: \u201c\u0130slam bank\u00e7\u0131l\u0131\u011f\u0131 t\u0259tbiq olunan b\u00fct\u00fcn banklarda 4 trilyon dollarl\u0131q bir aktiv var. Bu \u00e7ox b\u00f6y\u00fck bir r\u0259q\u0259m deyil. Bu, AB\u015e-\u0131n iki b\u00f6y\u00fck bank\u0131n\u0131n aktivl\u0259rinin c\u0259min\u0259 b\u0259rab\u0259rdir. Bu r\u0259q\u0259min 2026-ci ild\u0259 6 trilyon dollara \u00e7ataca\u011f\u0131 g\u00f6zl\u0259nilir. Bu yen\u0259 d\u0259 b\u00fct\u00fcn d\u00fcnya \u00fczr\u0259 g\u00f6t\u00fcr\u00fcld\u00fckd\u0259 el\u0259 bir b\u00f6y\u00fck r\u0259q\u0259m say\u0131lm\u0131r. \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131n\u0131n d\u00fcnyada\u00a0 \u00e7ox i\u015fl\u0259m\u0259m\u0259sinin bir ne\u00e7\u0259 s\u0259b\u0259bi var. 2012-ci ild\u0259 Malayziyada olark\u0259n m\u00fcxt\u0259lif ara\u015fd\u0131rmalar\u0131m var idi. Malayziyan\u0131n qar\u015f\u0131s\u0131nda h\u0259d\u0259f var idi. 2020-ci il\u0259 q\u0259d\u0259r \u00f6lk\u0259ni \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131n\u0131n m\u0259rk\u0259zin\u0259 \u00e7evirm\u0259k. Haz\u0131rda \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131 \u0259n \u00e7ox Londonda m\u0259rk\u0259zl\u0259\u015fib. Malayziya bu sistemin inki\u015faf\u0131 il\u0259 ba\u011fl\u0131 xeyli maliyy\u0259 ay\u0131rd\u0131. Amma proses tam olaraq g\u00f6zl\u0259nil\u0259n n\u0259tic\u0259ni verm\u0259di. S\u0259b\u0259bl\u0259r is\u0259 maliyy\u0259l\u0259\u015fdirm\u0259 mexanizml\u0259ri il\u0259 ba\u011fl\u0131 idi.<\/p>\n

\u0130slam bank\u00e7\u0131l\u0131\u011f\u0131nda burax\u0131lan s\u0259hvl\u0259rd\u0259n biri d\u0259 o idi ki, klassik \u015f\u0259kild\u0259 i\u015fl\u0259dil\u0259n bank sisteminin yaln\u0131z m\u00fc\u0259yy\u0259n bir departamentind\u0259 islam bank\u00e7\u0131l\u0131\u011f\u0131 yarad\u0131l\u0131r. Bu is\u0259 banka maliyy\u0259 yat\u0131ran insanlarda m\u00fc\u0259yy\u0259n q\u0259d\u0259r \u00e7a\u015fq\u0131nl\u0131q yarad\u0131rd\u0131”.<\/strong><\/p>\n

Ekspert onu da qeyd edib ki, islam bank\u00e7\u0131l\u0131\u011f\u0131nda depozit qoyanlara t\u0259klif olunurdu ki, bank o pulu m\u00fc\u0259yy\u0259n bir layih\u0259y\u0259 g\u00f6r\u0259 hans\u0131sa sahibkara ver\u0259c\u0259k: \u201cH\u0259min sahibkar qazand\u0131\u011f\u0131 puldan \u0259lav\u0259 faizl\u0259ri bankla b\u00f6ld\u00fcy\u00fc t\u0259qdird\u0259 ondan depozit\u00e7iy\u0259 pay veril\u0259c\u0259k. N\u0259tic\u0259 olaraq bu praktikada dem\u0259k olar ki, i\u015fl\u0259m\u0259y\u0259n bir q\u0259rar oldu. Qar\u015f\u0131 t\u0259r\u0259f ona pulu qaytard\u0131\u011f\u0131 zaman depozit\u00e7iy\u0259 he\u00e7 n\u0259 \u00f6d\u0259nilm\u0259di. Daha sonra is\u0259 minimum faiz t\u0259tbiq olundu. \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131n\u0131n \u0259sas probleml\u0259ri m\u0259hz bunlar idi. \u018fslind\u0259 \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131n\u0131n t\u0259m\u0259l prinsipi layih\u0259l\u0259rin idar\u0259 olunmas\u0131d\u0131r. Bu m\u0259s\u0259l\u0259 nisb\u0259t\u0259n \u00e7\u0259tin m\u0259s\u0259l\u0259dir. \u018fg\u0259r hans\u0131sa bank des\u0259 ki, layih\u0259l\u0259rd\u0259n as\u0131l\u0131 olmayaraq siz\u0259 minimum qazanc ver\u0259c\u0259y\u0259m, bu do\u011fru deyil. \u00c7\u00fcnki art\u0131q bu dolay\u0131 yolla faiz\u0259 g\u0259lib \u00e7\u0131x\u0131r. \u00c7\u00fcnki ola bil\u0259r ki, o layih\u0259l\u0259r uzunm\u00fcdd\u0259tli layih\u0259l\u0259rdir, yaxud da z\u0259r\u0259rl\u0259 i\u015fl\u0259y\u0259n layih\u0259l\u0259rdir. Odur ki, layih\u0259l\u0259r d\u0259 \u00e7ox risklidir. Sturtap, meqa-layih\u0259l\u0259r olarsa, yat\u0131r\u0131lan v\u0259sait\u00a0 h\u0259min layih\u0259l\u0259rin \u00fcz\u0259rind\u0259 qala v\u0259 he\u00e7 bir g\u0259lir g\u0259tirm\u0259y\u0259 bil\u0259r. Yaxud da v\u0259saitin bir hiss\u0259sini itir\u0259 bil\u0259rsiniz. Bir ne\u00e7\u0259 il v\u0259t\u0259nda\u015f g\u0259lir g\u0259tirm\u0259d\u0259n nec\u0259 g\u00f6zl\u0259y\u0259c\u0259k. Burada \u00e7ox ciddi \u015f\u0259ffafl\u0131q olmal\u0131d\u0131r. H\u0259min layih\u0259l\u0259r haqda m\u00fct\u0259madi m\u0259lumatlar olmal\u0131d\u0131r. Y\u0259ni el\u0259 bir \u015f\u0259ffafl\u0131q olmal\u0131d\u0131r ki, ora v\u0259sait qoyan v\u0259t\u0259nda\u015f \u015f\u00fcbh\u0259l\u0259nm\u0259sin ki, bank hans\u0131sa layih\u0259d\u0259 pul \u00e7ox qazan\u0131r, ona az pay verir. Sistemin \u00f6z\u00fcn\u00fcn \u015f\u0259ffaf olmas\u0131 laz\u0131md\u0131r. O bax\u0131mdan, inki\u015faf etm\u0259kd\u0259 olan \u00f6lk\u0259l\u0259rd\u0259, islam \u00f6lk\u0259l\u0259rind\u0259, o c\u00fcml\u0259d\u0259n Az\u0259rbaycanda h\u0259l\u0259lik m\u00fchasibatl\u0131q, hesabatl\u0131l\u0131q, DATA-lar\u0131n y\u0131\u011f\u0131lmas\u0131 v\u0259 sair\u0259 yax\u015f\u0131 inki\u015faf etm\u0259yib, bunlar is\u0259 olduqca vacib amill\u0259rdir.<\/p>\n

Praktiki gedi\u015fat g\u00f6st\u0259rdi ki, \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131 il\u0259 i\u015fl\u0259y\u0259n banklar m\u00fcasir d\u00f6vrd\u0259 r\u0259qab\u0259t\u0259 dayan\u0131ql\u0131 deyill\u0259r. Haz\u0131rda islam \u00f6lk\u0259l\u0259rind\u0259 xeyli pul v\u0259saiti var. \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131n\u0131n d\u00fcnya bank\u00e7\u0131l\u0131\u011f\u0131ndak\u0131 rolu 5 faizi ke\u00e7\u0259 bilmir. \u00dcmumi rolu hardasa 2,3 faiz d\u0259y\u0259rl\u0259ndirilir. 5 faizin alt\u0131nda olan g\u00f6st\u0259rici is\u0259 \u0259h\u0259miyy\u0259tli g\u00f6st\u0259rici say\u0131lm\u0131r. \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131 d\u00fcnya iqtisadiyyat\u0131na t\u0259sir g\u00f6st\u0259rm\u0259k g\u00fcc\u00fcnd\u0259 deyil. \u018flb\u0259tt\u0259, \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131n\u0131n m\u00fcsb\u0259t t\u0259r\u0259fl\u0259ri d\u0259 var, amma \u00f6z\u00fcn\u00fc tam do\u011frultmay\u0131b. M\u0259s\u0259l\u0259n, layih\u0259l\u0259r\u0259 faiz verm\u0259yib, layih\u0259nin g\u0259lirind\u0259n pul g\u00f6t\u00fcrm\u0259k, y\u0259ni layih\u0259 qazand\u0131-qazanmad\u0131 faiz t\u0259tbiq etmir, layih\u0259nin g\u0259lirind\u0259n as\u0131l\u0131 olaraq pul g\u00f6t\u00fcr\u00fcr. \u018flb\u0259tt\u0259, bunu v\u0259t\u0259nda\u015f\u0131n depoziti il\u0259 etm\u0259k \u00e7\u0259tindir, v\u0259t\u0259nda\u015f oradan g\u0259lir g\u00f6zl\u0259yir. Bu sistemi t\u0259tbiq etm\u0259k olar, m\u00fc\u0259yy\u0259n fondlar vasit\u0259sil\u0259, g\u00fcz\u0259\u015ft fondlar\u0131 il\u0259 etm\u0259k olar. \u0130ll\u0259r \u0259vv\u0259l m\u0259n hibrid mexanizm haz\u0131rlam\u0131\u015fd\u0131m. H\u0259r iki bank\u00e7\u0131l\u0131\u011f\u0131 ara\u015fd\u0131r\u0131b ortaya \u00e7ox g\u00f6z\u0259l mexanizml\u0259r qoymaq olar”.<\/p>\n

Qeyd ed\u0259k ki, \u0130slam bank\u0131 il\u0259 kommersiya bank\u0131 aras\u0131ndak\u0131 m\u00fch\u00fcm f\u0259rq m\u0259hz biznes kreditl\u0259rind\u0259dir. \u018fn\u0259n\u0259vi kommersiya bank\u0131 m\u00fc\u0259yy\u0259n m\u0259bl\u0259\u011fi kredit kimi verdikd\u0259n sonra n\u0259 \u00e7ox, n\u0259 az, m\u0259hz h\u0259min m\u0259bl\u0259\u011fi v\u0259 hesablanm\u0131\u015f faizl\u0259ri geri alma\u011f\u0131 n\u0259z\u0259rd\u0259 tutur. \u018fsas m\u0259bl\u0259\u011f v\u0259 faizl\u0259ri h\u0259r hans\u0131 s\u0259b\u0259bd\u0259n geri ala bilm\u0259dikd\u0259 kommersiya bank\u0131 m\u00fc\u015ft\u0259rinin \u0259lind\u0259n \u0259vv\u0259lc\u0259d\u0259n n\u0259z\u0259rd\u0259 tutulmu\u015f girovu al\u0131r.<\/strong><\/p>\n

\u0130slam bank\u0131 is\u0259 biznes krediti verdikd\u0259 \u015f\u0259rik kimi \u00e7\u0131x\u0131\u015f edir. \u018fg\u0259r m\u00fc\u015ft\u0259ri \u0130slam bank\u0131n\u0131n kreditind\u0259n istifad\u0259 ed\u0259r\u0259k n\u0259z\u0259rd\u0259 tutdu\u011fundan daha \u00e7oxlu g\u0259lir \u0259ld\u0259 edirs\u0259, banka da m\u00fcvafiq olaraq daha \u00e7ox pay \u00f6d\u0259m\u0259li olur. Yox, \u0259g\u0259r daha az qazan\u0131rsa, banka da m\u00fcvafiq olaraq az \u00f6d\u0259m\u0259li olur.<\/p>\n

M\u00fc\u015ft\u0259ri \u00fc\u00e7\u00fcn \u0130slam bank\u0131n\u0131n biznes kreditl\u0259rind\u0259ki \u00fcst\u00fcnl\u00fck ondan ibar\u0259tdir ki, biznes u\u011furlu al\u0131nmasa v\u0259 krediti qaytarmaq m\u00fcmk\u00fcn olmasa, \u0130slam bank\u0131 geriy\u0259 he\u00e7 n\u0259 t\u0259l\u0259b etm\u0259y\u0259c\u0259k.<\/p>\n

Afaq M\u0130RAY\u0130Q,<\/strong>
\n\u201cYeni M\u00fcsavat\u201d<\/strong><\/p>\n<\/div>\n

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Ekspert: \u201cEl\u0259 bir \u015f\u0259ffafl\u0131q olmal\u0131d\u0131r ki, v\u0259t\u0259nda\u015f aldanmaqdan \u015f\u00fcbh\u0259l\u0259nm\u0259sin, \u00e7\u00fcnki…\u201d Az\u0259rbaycanda \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131 sistemi yarad\u0131laca\u011f\u0131 haqda x\u0259b\u0259rl\u0259r yeni deyil. Son olaraq M\u0259rk\u0259zi Bank\u0131n\u0131n \u0130dar\u0259 Hey\u0259ti \u201c2024-2026-c\u0131 ill\u0259rd\u0259 maliyy\u0259 sektorunun inki\u015faf Strategiyas\u0131\u201d t\u0259sdiq olunub. S\u00f6z\u00fcged\u0259n s\u0259n\u0259dd\u0259 \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131n\u0131n inki\u015faf\u0131n\u0131n \u00f6z \u0259ksini tapd\u0131\u011f\u0131 deyilir. \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131 haqda \u201cVikipediya\u201d da yaz\u0131l\u0131r: \u201cB\u00fct\u00fcn alq\u0131-satq\u0131 v\u0259 kiray\u0259 \u0259m\u0259liyyatlar\u0131nda yaln\u0131z real y\u0259ni g\u00f6z \u00f6n\u00fcnd\u0259 olan aktivl\u0259r\u0259 \u0259saslanan v\u0259 \u015f\u0259ri\u0259t qaydalar\u0131n\u0131 \u00f6z\u00fcnd\u0259 ehtiva ed\u0259n bir iqtisadi mexanizm. Bu n\u00f6v bank\u00e7\u0131l\u0131qda faizl\u0259r (\u0259r\u0259bc\u0259 “Riba”) qada\u011fand\u0131r v\u0259 \u0259m\u0259liyyatlar xeyir v\u0259 z\u0259r\u0259rd\u0259 \u201cm\u00fc\u015ft\u0259r\u0259klik\u201d prinsipi \u0259sas\u0131nda h\u0259yata ke\u00e7irilir”. Y\u0259ni v\u0259t\u0259nda\u015f bankdan…<\/p>\n","protected":false},"author":2,"featured_media":746481,"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\/08\/a94698ddc7708fb6f32477bf1036cd9f.jpg",700,394,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/08\/a94698ddc7708fb6f32477bf1036cd9f.jpg",700,394,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/08\/a94698ddc7708fb6f32477bf1036cd9f.jpg",700,394,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/08\/a94698ddc7708fb6f32477bf1036cd9f-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/08\/a94698ddc7708fb6f32477bf1036cd9f-648x365.jpg",648,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/08\/a94698ddc7708fb6f32477bf1036cd9f.jpg",640,360,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/08\/a94698ddc7708fb6f32477bf1036cd9f.jpg",700,394,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/08\/a94698ddc7708fb6f32477bf1036cd9f.jpg",700,394,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/08\/a94698ddc7708fb6f32477bf1036cd9f-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/08\/a94698ddc7708fb6f32477bf1036cd9f.jpg",700,394,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"Ekspert: \u201cEl\u0259 bir \u015f\u0259ffafl\u0131q olmal\u0131d\u0131r ki, v\u0259t\u0259nda\u015f aldanmaqdan \u015f\u00fcbh\u0259l\u0259nm\u0259sin, \u00e7\u00fcnki…\u201d Az\u0259rbaycanda \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131 sistemi yarad\u0131laca\u011f\u0131 haqda x\u0259b\u0259rl\u0259r yeni deyil. Son olaraq M\u0259rk\u0259zi Bank\u0131n\u0131n \u0130dar\u0259 Hey\u0259ti \u201c2024-2026-c\u0131 ill\u0259rd\u0259 maliyy\u0259 sektorunun inki\u015faf Strategiyas\u0131\u201d t\u0259sdiq olunub. S\u00f6z\u00fcged\u0259n s\u0259n\u0259dd\u0259 \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131n\u0131n inki\u015faf\u0131n\u0131n \u00f6z \u0259ksini tapd\u0131\u011f\u0131 deyilir. \u0130slam bank\u00e7\u0131l\u0131\u011f\u0131 haqda \u201cVikipediya\u201d da yaz\u0131l\u0131r: \u201cB\u00fct\u00fcn alq\u0131-satq\u0131 v\u0259 kiray\u0259 \u0259m\u0259liyyatlar\u0131nda yaln\u0131z real…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/746480"}],"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=746480"}],"version-history":[{"count":1,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/746480\/revisions"}],"predecessor-version":[{"id":746482,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/746480\/revisions\/746482"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/746481"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=746480"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=746480"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=746480"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}