{"id":821102,"date":"2025-08-16T09:48:43","date_gmt":"2025-08-16T05:48:43","guid":{"rendered":"https:\/\/arantv.az\/?p=821102"},"modified":"2025-08-16T09:48:43","modified_gmt":"2025-08-16T05:48:43","slug":"banklardan-%c9%99haliy%c9%99-z%c9%99rb%c9%99-bu-pullar-qaytarilmayacaq","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=821102","title":{"rendered":"Banklardan \u0259haliy\u0259 z\u0259rb\u0259 &#8211; Bu pullar qaytar\u0131lmayacaq"},"content":{"rendered":"<h3><strong>Y\u00fcks\u0259k \u201cke\u015fbek\u201d v\u0259dl\u0259ri il\u0259 r\u0259qab\u0259t\u0259 qo\u015fulanlar indi faizl\u0259ri endirir; h\u00fcquq\u015f\u00fcnas deyir ki&#8230;<\/strong><\/h3>\n<p>M\u00fc\u015ft\u0259ril\u0259rin diqq\u0259tini \u00e7\u0259km\u0259k v\u0259 g\u00fcnd\u0259lik na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259ri stimulla\u015fd\u0131rmaq \u00fc\u00e7\u00fcn banklar\u0131n uzun ill\u0259rdir istifad\u0259 etdiyi \u00fcsullardan biri d\u0259 \u201cke\u015fbek kampaniyalar\u0131\u201dd\u0131r. Y\u0259ni kartla edil\u0259n \u00f6d\u0259ni\u015fl\u0259r\u0259 g\u00f6r\u0259 m\u00fc\u015ft\u0259riy\u0259 m\u00fc\u0259yy\u0259n faizl\u0259 pul geri qaytar\u0131l\u0131r. Son ill\u0259rd\u0259 2X v\u0259 daha y\u00fcks\u0259k ke\u015fbek v\u0259dl\u0259ri il\u0259 r\u0259qab\u0259t\u0259 qo\u015fulan banklar indi faizl\u0259ri endirir, h\u0259tta \u201cke\u015fbek kampaniyalar\u0131\u201dn\u0131 dayand\u0131ran, onlardan imtina ed\u0259n banklar da var.<\/p>\n<p>\u0130qtisad\u00e7\u0131 ekspert Xalid K\u0259rimli Modern.az-a bildirib ki, ke\u015fbek faizl\u0259ri banklar \u00fc\u00e7\u00fcn \u0259slind\u0259 \u0259lav\u0259 bir x\u0259rc m\u0259nb\u0259yidir. \u0130qtisad\u00e7\u0131n\u0131n s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, bu v\u0259saitl\u0259r birba\u015fa banklar\u0131n \u00f6z b\u00fcdc\u0259si hesab\u0131na qar\u015f\u0131lan\u0131r v\u0259 h\u0259r hans\u0131 qanunla t\u0259nziml\u0259nmir. Y\u0259ni bu sad\u0259c\u0259 olaraq, banklar\u0131n m\u00fc\u015ft\u0259ri c\u0259lb etm\u0259k \u00fc\u00e7\u00fcn k\u00f6n\u00fcll\u00fc t\u0259tbiq etdikl\u0259ri bir t\u0259\u015fviqdir.<\/p>\n<p><strong>B\u0259s banklar\u0131n bu q\u0259rar\u0131 verm\u0259y\u0259 s\u0259lahiyy\u0259ti \u00e7at\u0131rm\u0131? Bu, m\u00fc\u015ft\u0259ril\u0259rin h\u00fcquqlar\u0131n\u0131n pozulmas\u0131 deyilmi?<\/strong><\/p>\n<p>Qeyd ed\u0259k ki, \u201cke\u015fbek\u201d kampaniyalar\u0131 banklar \u00fc\u00e7\u00fcn h\u0259m m\u00fc\u015ft\u0259ri c\u0259lb etm\u0259, h\u0259m d\u0259 m\u00f6vcud m\u00fc\u015ft\u0259ril\u0259ri aktiv saxlamaq bax\u0131m\u0131ndan effektiv bir al\u0259t olub. Lakin son d\u00f6vrl\u0259rd\u0259 bu kampaniyalarda azalmalar v\u0259 ya d\u0259yi\u015fiklikl\u0259r m\u00fc\u015fahid\u0259 olunur. M\u00fct\u0259x\u0259ssisl\u0259r bu tendensiyan\u0131n bir ne\u00e7\u0259 \u0259sas s\u0259b\u0259bini izah edir. Qeyd edilir ki, banklar \u00fc\u00e7\u00fcn \u201cke\u015fbek\u201dl\u0259r maliyy\u0259 bax\u0131m\u0131ndan y\u00fck yarad\u0131r. X\u00fcsusil\u0259 y\u00fcks\u0259k inflyasiya v\u0259 artan \u0259m\u0259liyyat x\u0259rcl\u0259ri fonunda bu tip bonuslu sisteml\u0259ri davam etdirm\u0259k \u00e7\u0259tinl\u0259\u015fir. Beyn\u0259lxalq \u00f6d\u0259m\u0259 sisteml\u0259rinin (Visa, Mastercard v\u0259 s.) komissiya x\u0259rcl\u0259ri d\u0259 bu y\u00fck\u0259 \u0259lav\u0259 olunur. Bir ne\u00e7\u0259 il \u00f6nc\u0259 ke\u015fbek r\u0259qab\u0259ti m\u00fc\u015ft\u0259ri qazanmaq \u00fc\u00e7\u00fcn \u0259sas vasit\u0259 idi. Lakin indi dem\u0259k olar ki, h\u0259r k\u0259sin bir ne\u00e7\u0259 bank kart\u0131 var v\u0259 yeni m\u00fc\u015ft\u0259ri qazanmaq \u0259vv\u0259lki q\u0259d\u0259r asan deyil. M\u0259rk\u0259zi Bank v\u0259 dig\u0259r n\u0259zar\u0259t orqanlar\u0131n\u0131n komissiya v\u0259 g\u0259lir modell\u0259rin\u0259 m\u00fcdaxil\u0259si b\u0259z\u0259n banklar\u0131n ke\u015fbek strategiyalar\u0131n\u0131 yenid\u0259n n\u0259z\u0259rd\u0259n ke\u00e7irm\u0259sin\u0259 s\u0259b\u0259b olur. Art\u0131q m\u00fc\u015ft\u0259ril\u0259r t\u0259kc\u0259 ke\u015fbekl\u0259 kifay\u0259tl\u0259nmir, \u0259lav\u0259 xidm\u0259tl\u0259r (mobil bank\u00e7\u0131l\u0131q, s\u00fcr\u0259tli d\u0259st\u0259k, f\u0259rdi t\u0259klifl\u0259r v\u0259 s.) d\u0259 g\u00f6zl\u0259yir.<\/p>\n<p><img src=\"https:\/\/pravda.az\/cdn\/2020\/january\/23\/ekrem1.jpg\" alt=\"\u018fkr\u0259m H\u0259s\u0259nov: &quot;&quot;Kapital Bank&quot;da h\u0259yat yolda\u015f\u0131m\u0131n istifad\u0259sind\u0259 olan kart  var, ba\u011flatd\u0131raca\u011fam&quot; Pravda.az\" \/><\/p>\n<p><strong>\u018fkr\u0259m H\u0259s\u0259nov<\/strong><\/p>\n<p><strong>H\u00fcquq\u015f\u00fcnas \u018fkr\u0259m H\u0259s\u0259nov \u201cke\u015fbek\u201d kampaniyalar\u0131 il\u0259 ba\u011fl\u0131 \u201cYeni M\u00fcsavat\u201da a\u00e7\u0131qlamas\u0131nda fikrini b\u00f6l\u00fc\u015f\u00fcb:<\/strong>\u00a0\u201cB\u0259li, ke\u015fbek kampaniyalar\u0131 banklar\u0131n \u00f6z t\u0259\u015f\u0259bb\u00fcs\u00fc il\u0259 h\u0259yata ke\u00e7irdikl\u0259ri kampaniyalar idi v\u0259 bu, he\u00e7 d\u0259 b\u00fct\u00fcn banklarda t\u0259tbiq olunmurdu. Bank m\u00fc\u0259yy\u0259n edirdi ki, \u0259g\u0259r m\u00fc\u015ft\u0259ri onun xidm\u0259tl\u0259rind\u0259n istifad\u0259 ed\u0259rs\u0259, o zaman \u00f6d\u0259ni\u015fl\u0259rin m\u00fc\u0259yy\u0259n faizini geri qaytaracaq. Bu, bank\u0131n se\u00e7imind\u0259n as\u0131l\u0131 idi &#8211; ist\u0259s\u0259 ed\u0259rdi, ist\u0259m\u0259s\u0259 etm\u0259zdi. \u018fg\u0259r bank bu kampaniya il\u0259 ba\u011fl\u0131 \u00fcz\u0259rin\u0259 \u00f6hd\u0259lik g\u00f6t\u00fcr\u00fcbs\u0259, yerin\u0259 yetirm\u0259li idi. Amma ist\u0259nil\u0259n vaxt bu kampaniyadan imtina ed\u0259, yaxud da ke\u015fbek faizini azalda bil\u0259r.<\/p>\n<p>Bu c\u00fcr kampaniyalar\u0131n \u0259sas m\u0259qs\u0259di m\u00fc\u015ft\u0259ril\u0259ri c\u0259lb etm\u0259k v\u0259 onlar\u0131n h\u0259min bank\u0131n xidm\u0259tl\u0259rind\u0259n istifad\u0259 etm\u0259sini t\u0259min etm\u0259k idi. Bu hal, m\u00fc\u0259yy\u0259n ma\u011fazalar\u0131n ke\u00e7irdiyi kampaniyalara b\u0259nz\u0259yir &#8211; m\u0259s\u0259l\u0259n, \u201cbir m\u0259hsul alana dig\u0259ri 50% endiriml\u0259 verilir\u201d v\u0259 ya \u201c2 mal alana 1-i h\u0259diyy\u0259\u201d kampaniyalar\u0131 kimi.<\/p>\n<p><em>B\u0259s indi niy\u0259 bu c\u00fcr kampaniyalar dayand\u0131r\u0131l\u0131b? \u00c7\u00fcnki bu, banklar \u00fc\u00e7\u00fcn \u0259lav\u0259 x\u0259rc dem\u0259kdir. Art\u0131q insanlar na\u011fds\u0131z \u00f6d\u0259ni\u015f\u0259 al\u0131\u015f\u0131b v\u0259 istifad\u0259 etdikl\u0259ri banklar\u0131 da m\u00fc\u0259yy\u0259n edibl\u0259r. M\u00fc\u015ft\u0259rinin bir bankdan dig\u0259r bank\u0131n xidm\u0259tin\u0259 ke\u00e7m\u0259k ehtimal\u0131 \u00e7ox azd\u0131r. Bu s\u0259b\u0259bd\u0259n d\u0259 banklar bel\u0259 kampaniyalardan geri \u00e7\u0259kilir. \u00dcst\u0259lik, b\u00f6y\u00fck banklar \u00fcmumiyy\u0259tl\u0259 bu c\u00fcr t\u0259\u015fviql\u0259r\u0259 ehtiyac duymur, \u00e7\u00fcnki onlar\u0131n m\u00fc\u015ft\u0259ri bazas\u0131 onsuz da kifay\u0259t q\u0259d\u0259r geni\u015fdir. Ki\u00e7ik v\u0259 orta banklar is\u0259 bu sah\u0259d\u0259 b\u00f6y\u00fck banklarla r\u0259qab\u0259t\u0259 tab g\u0259tir\u0259 bilmirl\u0259r&#8221;.<\/em><\/p>\n<p>M\u00fct\u0259x\u0259ssisl\u0259r\u0259 g\u00f6r\u0259 banklar \u00fc\u00e7\u00fcn ke\u015fbek kampaniyalar\u0131 ilk bax\u0131\u015fda m\u00fc\u015ft\u0259ri \u00fc\u00e7\u00fcn c\u0259lbedici g\u00f6r\u00fcn\u0259n sad\u0259 bir mexanizm olsa da, \u0259slind\u0259 bu sistemin davaml\u0131l\u0131\u011f\u0131 \u00fc\u00e7\u00fcn xeyli x\u0259rc t\u0259l\u0259b olunur. X\u00fcsusil\u0259 inflyasiya, valyuta d\u0259yi\u015fm\u0259l\u0259ri v\u0259 \u0259m\u0259liyyat x\u0259rcl\u0259rinin artmas\u0131 fonunda bu kampaniyalar banklar \u00fc\u00e7\u00fcn maliyy\u0259 y\u00fck\u00fcn\u0259 \u00e7evril\u0259 bil\u0259r. Dig\u0259r t\u0259r\u0259fd\u0259n, kart bazar\u0131n\u0131n doymas\u0131 v\u0259 r\u0259qab\u0259tin f\u0259rqli m\u00fcst\u0259vil\u0259r\u0259 ke\u00e7m\u0259si n\u0259tic\u0259sind\u0259 ke\u015fbek art\u0131q m\u00fc\u015ft\u0259ri qazanmaq \u00fc\u00e7\u00fcn yegan\u0259 vasit\u0259 deyil. Banklar\u0131n bu istiqam\u0259td\u0259 alternativ axtar\u0131\u015flara \u00e7\u0131xmas\u0131 n\u0259tic\u0259sind\u0259 loyall\u0131q proqramlar\u0131, partnyorlu endiriml\u0259r, spesifik sah\u0259l\u0259r \u00fczr\u0259 ke\u015fbek (m\u0259s\u0259l\u0259n, yaln\u0131z market, yanacaq v\u0259 ya restoran x\u0259rcl\u0259rind\u0259) v\u0259 ya q\u0131sa m\u00fcdd\u0259tli kampaniyalar daha geni\u015f yay\u0131lma\u011fa ba\u015flay\u0131b. Eyni zamanda, abun\u0259lik \u0259sasl\u0131 modell\u0259r d\u0259 inki\u015faf edir &#8211; y\u0259ni ayl\u0131q v\u0259 ya illik \u00f6d\u0259ni\u015f m\u00fcqabilind\u0259 daha y\u00fcks\u0259k ke\u015fbek v\u0259 \u0259lav\u0259 xidm\u0259tl\u0259r t\u0259qdim olunur. Bu yana\u015fmalar h\u0259m daha \u00e7evik, h\u0259m d\u0259 banklar \u00fc\u00e7\u00fcn daha dayan\u0131ql\u0131 g\u0259lir modelidir.<\/p>\n<p><img src=\"https:\/\/bizim.media\/photo\/700x394\/2023\/03\/19\/1679209454_1.jpg\" alt=\"Bak\u0131da bu bankdan 316 min manat v\u0259 32 min dollar o\u011furland\u0131\" \/><\/p>\n<p>Qlobal t\u0259cr\u00fcb\u0259y\u0259 n\u0259z\u0259r sald\u0131qda, AB\u015e bu sah\u0259d\u0259 \u00f6nc\u00fcll\u0259rd\u0259n biridir. Orta hesabla kredit kartlar\u0131 1-2% standart ke\u015fbek t\u0259klif edir, b\u0259z\u0259n rotasiya ed\u0259n kateqoriyalarda bu g\u00f6st\u0259rici 5%-\u0259 q\u0259d\u0259r y\u00fcks\u0259lir. Bu model ill\u0259rdir effektiv \u015f\u0259kild\u0259 i\u015fl\u0259yir, x\u00fcsusil\u0259 d\u0259 r\u0259qab\u0259tin \u00e7ox y\u00fcks\u0259k oldu\u011fu bazarda banklar v\u0259 fintech \u015firk\u0259tl\u0259ri real vaxtda ke\u015fbek, personaliz\u0259 olunmu\u015f t\u0259klifl\u0259r v\u0259 mobil t\u0259tbiq vasit\u0259sil\u0259 asan geri qaytarma imkanlar\u0131 il\u0259 f\u0259rql\u0259nm\u0259y\u0259 \u00e7al\u0131\u015f\u0131r. B\u00f6y\u00fck Britaniyada is\u0259 ke\u015fbek \u00e7ox vaxt loyall\u0131q proqramlar\u0131 il\u0259 inteqrasiya olunur v\u0259 bank m\u00fc\u015ft\u0259riy\u0259 na\u011fd pul \u0259v\u0259zin\u0259, h\u0259diyy\u0259 xallar\u0131, t\u0259yyar\u0259 mill\u0259ri v\u0259 dig\u0259r t\u0259klifl\u0259r t\u0259qdim edir. Avstraliyada is\u0259 s\u0259rt regulyasiya s\u0259b\u0259bil\u0259 ke\u015fbek modell\u0259ri daha z\u0259if inki\u015faf edib v\u0259 banklar daha \u00e7ox s\u0131\u011forta, t\u0259hl\u00fck\u0259sizlik v\u0259 t\u0259cr\u00fcb\u0259 \u0259sasl\u0131 xidm\u0259tl\u0259r\u0259 y\u00f6n\u0259lib.<\/p>\n<p><strong>Sinqapur v\u0259 dig\u0259r y\u00fcks\u0259k g\u0259lirli \u00f6lk\u0259l\u0259rd\u0259 banklar daha \u00e7ox premium m\u00fc\u015ft\u0259ril\u0259r\u0259 y\u00f6n\u0259lmi\u015f ke\u015fbek modell\u0259ri t\u0259tbiq edir. Bu sisteml\u0259rd\u0259 ke\u015fbek faizl\u0259ri y\u00fcks\u0259k olsa da, \u00e7ox vaxt ayl\u0131q x\u0259rcl\u0259m\u0259 limitl\u0259ri v\u0259 kateqoriya m\u0259hdudiyy\u0259tl\u0259ri t\u0259tbiq olunur. Dig\u0259r t\u0259r\u0259fd\u0259n, Hindistan kimi inki\u015faf etm\u0259kd\u0259 olan \u00f6lk\u0259l\u0259rd\u0259 ke\u015fbek t\u0259kc\u0259 bank kartlar\u0131 deyil, eyni zamanda mobil \u00f6d\u0259ni\u015f platformalar\u0131 v\u0259 fintech xidm\u0259tl\u0259ri \u00fcz\u0259rind\u0259n d\u0259 geni\u015f t\u0259tbiq olunur. X\u00fcsusil\u0259 mikroke\u015fbek modell\u0259ri burada geni\u015f yay\u0131l\u0131b.<\/strong><\/p>\n<p>Qlobal trendl\u0259r g\u00f6st\u0259rir ki, ke\u015fbek anlay\u0131\u015f\u0131 t\u0259kc\u0259 na\u011fd pul qaytarmaqdan ibar\u0259t deyil. Art\u0131q bu sistem m\u00fc\u015ft\u0259ri davran\u0131\u015flar\u0131n\u0131 y\u00f6nl\u0259ndirm\u0259k, sadiqliyi art\u0131rmaq v\u0259 \u015f\u0259xsi t\u0259klifl\u0259r verm\u0259k \u00fc\u00e7\u00fcn strateji bir al\u0259t\u0259 \u00e7evrilib. Banklar s\u00fcni intellekt v\u0259 data analizind\u0259n istifad\u0259 ed\u0259r\u0259k m\u00fc\u015ft\u0259ril\u0259r\u0259 f\u0259rdi ke\u015fbek t\u0259klifl\u0259ri t\u0259qdim edir. Eyni zamanda, t\u0259r\u0259fda\u015f markalarla i\u015fl\u0259y\u0259r\u0259k yaln\u0131z se\u00e7ilmi\u015f m\u0259hsul v\u0259 ya xidm\u0259tl\u0259r \u00fczr\u0259 y\u00fcks\u0259k ke\u015fbek imkanlar\u0131 yarad\u0131l\u0131r. Bununla yana\u015f\u0131, oyun elementl\u0259ri d\u0259 \u0259lav\u0259 edil\u0259r\u0259k m\u00fc\u015ft\u0259rinin motivasiyas\u0131 art\u0131r\u0131l\u0131r. Son n\u0259tic\u0259d\u0259, ke\u015fbek kampaniyalar\u0131n\u0131n klassik formas\u0131 b\u0259zi bazarlarda z\u0259ifl\u0259s\u0259 d\u0259, onun m\u00fcasir v\u0259 f\u0259rdil\u0259\u015fdirilmi\u015f versiyalar\u0131 h\u0259l\u0259 d\u0259 bank strategiyalar\u0131nda m\u00fch\u00fcm yer tutur. G\u0259l\u0259c\u0259kd\u0259 bu sisteml\u0259rin daha da inki\u015faf ed\u0259r\u0259k m\u00fc\u015ft\u0259ri t\u0259cr\u00fcb\u0259sini z\u0259nginl\u0259\u015fdir\u0259c\u0259k innovativ modell\u0259r\u0259 \u00e7evril\u0259c\u0259yi g\u00f6zl\u0259nilir.<\/p>\n<p><strong>Afaq M\u0130RAY\u0130Q,<\/strong><br \/>\n<strong>\u201cYeni M\u00fcsavat\u201d<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Y\u00fcks\u0259k \u201cke\u015fbek\u201d v\u0259dl\u0259ri il\u0259 r\u0259qab\u0259t\u0259 qo\u015fulanlar indi faizl\u0259ri endirir; h\u00fcquq\u015f\u00fcnas deyir ki&#8230; M\u00fc\u015ft\u0259ril\u0259rin diqq\u0259tini \u00e7\u0259km\u0259k v\u0259 g\u00fcnd\u0259lik na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259ri stimulla\u015fd\u0131rmaq \u00fc\u00e7\u00fcn banklar\u0131n uzun ill\u0259rdir istifad\u0259 etdiyi \u00fcsullardan biri d\u0259 \u201cke\u015fbek kampaniyalar\u0131\u201dd\u0131r. Y\u0259ni kartla edil\u0259n \u00f6d\u0259ni\u015fl\u0259r\u0259 g\u00f6r\u0259 m\u00fc\u015ft\u0259riy\u0259 m\u00fc\u0259yy\u0259n faizl\u0259 pul geri qaytar\u0131l\u0131r. Son ill\u0259rd\u0259 2X v\u0259 daha y\u00fcks\u0259k ke\u015fbek v\u0259dl\u0259ri il\u0259 r\u0259qab\u0259t\u0259 qo\u015fulan banklar indi faizl\u0259ri endirir, h\u0259tta \u201cke\u015fbek kampaniyalar\u0131\u201dn\u0131 dayand\u0131ran, onlardan imtina ed\u0259n banklar da var. \u0130qtisad\u00e7\u0131 ekspert Xalid K\u0259rimli Modern.az-a bildirib ki, ke\u015fbek faizl\u0259ri banklar \u00fc\u00e7\u00fcn \u0259slind\u0259 \u0259lav\u0259 bir x\u0259rc m\u0259nb\u0259yidir. \u0130qtisad\u00e7\u0131n\u0131n s\u00f6zl\u0259rin\u0259 g\u00f6r\u0259, bu v\u0259saitl\u0259r birba\u015fa banklar\u0131n&hellip;<\/p>\n","protected":false},"author":2,"featured_media":821103,"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":[4],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/efaf01bad79c1a5abeb3d8fd250bd988.png",690,386,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/efaf01bad79c1a5abeb3d8fd250bd988.png",690,386,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/efaf01bad79c1a5abeb3d8fd250bd988.png",690,386,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/efaf01bad79c1a5abeb3d8fd250bd988-500x280.png",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/efaf01bad79c1a5abeb3d8fd250bd988-652x365.png",652,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/efaf01bad79c1a5abeb3d8fd250bd988.png",640,358,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/efaf01bad79c1a5abeb3d8fd250bd988.png",690,386,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/efaf01bad79c1a5abeb3d8fd250bd988.png",690,386,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/efaf01bad79c1a5abeb3d8fd250bd988-240x172.png",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2025\/08\/efaf01bad79c1a5abeb3d8fd250bd988.png",690,386,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=4\" rel=\"category\">Siyas\u0259t<\/a>","rttpg_excerpt":"Y\u00fcks\u0259k \u201cke\u015fbek\u201d v\u0259dl\u0259ri il\u0259 r\u0259qab\u0259t\u0259 qo\u015fulanlar indi faizl\u0259ri endirir; h\u00fcquq\u015f\u00fcnas deyir ki&#8230; M\u00fc\u015ft\u0259ril\u0259rin diqq\u0259tini \u00e7\u0259km\u0259k v\u0259 g\u00fcnd\u0259lik na\u011fds\u0131z \u00f6d\u0259ni\u015fl\u0259ri stimulla\u015fd\u0131rmaq \u00fc\u00e7\u00fcn banklar\u0131n uzun ill\u0259rdir istifad\u0259 etdiyi \u00fcsullardan biri d\u0259 \u201cke\u015fbek kampaniyalar\u0131\u201dd\u0131r. Y\u0259ni kartla edil\u0259n \u00f6d\u0259ni\u015fl\u0259r\u0259 g\u00f6r\u0259 m\u00fc\u015ft\u0259riy\u0259 m\u00fc\u0259yy\u0259n faizl\u0259 pul geri qaytar\u0131l\u0131r. 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