{"id":1025,"date":"2022-04-12T15:53:24","date_gmt":"2022-04-12T12:53:24","guid":{"rendered":"https:\/\/fiacoglobal.com.tr\/?p=1025"},"modified":"2022-04-12T17:23:30","modified_gmt":"2022-04-12T14:23:30","slug":"faiz-ve-yatirim-arasindaki-iliski","status":"publish","type":"post","link":"https:\/\/fiacoglobal.com.tr\/en\/2022\/04\/12\/faiz-ve-yatirim-arasindaki-iliski\/","title":{"rendered":"FA\u0130Z VE YATIRIM ARASINDAK\u0130 \u0130L\u0130\u015eK\u0130"},"content":{"rendered":"
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Faiz<\/strong><\/h3>

\u00a0<\/p>

Faizin tan\u0131m\u0131n\u0131 iki a\u00e7\u0131dan de\u011ferlendirilir:<\/p>

  • Faize katlanan (gider olan) taraf a\u00e7\u0131s\u0131ndan: Belirli bir fona sahip ki\u015fi veya kurumlardan, o anki maddi ihtiyac\u0131n\u0131 kar\u015f\u0131lamak i\u00e7in al\u0131nan borcun kullan\u0131m\u0131 i\u00e7in belirli bir zamanda katlan\u0131lan maliyettir.<\/li>
  • Faize veren (geliri olan) taraf a\u00e7\u0131s\u0131ndan: Belirli bir fona sahip ki\u015fi veya kurumlar\u0131n, ihtiyac\u0131 olan ki\u015filere bu fonlar\u0131n\u0131 devretmelerinden sonra, belirli bir zamanda elde edilen kazan\u00e7t\u0131r.<\/li><\/ul>

    \u00a0<\/h2>

    Yat\u0131r\u0131m<\/strong><\/h3>

    \u00a0<\/p>

    Gelecekte kazan\u00e7 elde etmek amac\u0131 ile belirli bir fonun ya da belirli bir yerden temin etti\u011fi fonun, bir ve ya daha fazla sekt\u00f6re harcanarak te\u015febb\u00fcste bulunulmas\u0131d\u0131r.<\/p>

    \u00a0<\/h3>

    Faiz ve Yat\u0131r\u0131m Aras\u0131ndaki \u0130li\u015fkiye Genel Bak\u0131\u015f<\/strong><\/h3>

    \u00a0<\/p>

    \u00c7o\u011fu ekonomi bilimi uzman\u0131na g\u00f6re faizle yat\u0131r\u0131m aras\u0131nda ters orant\u0131l\u0131 ili\u015fki vard\u0131r. Yani faizlerin d\u00fc\u015fmesi, yat\u0131r\u0131m\u0131n artmas\u0131 demektir. \u00c7o\u011fu zaman bu a\u00e7\u0131klama do\u011fru olsa da baz\u0131 zamanlarda faiz ile yat\u0131r\u0131m aras\u0131nda do\u011fru orant\u0131l\u0131 ili\u015fki vard\u0131r. Yani her zaman faizlerin d\u00fc\u015fmesi, yat\u0131r\u0131mlar\u0131n artaca\u011f\u0131 anlam\u0131na gelmez.<\/p>

    Ekonomistler faizle yat\u0131r\u0131m aras\u0131ndaki ters orant\u0131l\u0131 ili\u015fkiyi d\u00f6rt olguyu atlayarak savunmaktad\u0131r:<\/p>

    • Faizler d\u00fc\u015ft\u00fc\u011f\u00fcnde piyasada olu\u015fan risklerin fazla olmamas\u0131 gerekmektedir. \u00d6rne\u011fin; bir yat\u0131r\u0131mc\u0131 Tavuk D\u00f6ner i\u015fletmesi a\u00e7mak istemektedir. Faizler d\u00fc\u015fm\u00fc\u015f ve yat\u0131r\u0131m olanaklar\u0131 artm\u0131\u015ft\u0131r. Fakat piyasada Ku\u015f Gribi Salg\u0131n\u0131 bulunmaktad\u0131r. Dolay\u0131s\u0131 ile Tavuk D\u00f6ner piyasas\u0131 salg\u0131ndan \u00f6t\u00fcr\u00fc risklidir. Bu durumda faizler d\u00fc\u015fse bile ki\u015fi yat\u0131r\u0131m yapmamaktad\u0131r.<\/li>
    • D\u00f6vizdeki dalgalanmalar, yat\u0131r\u0131m yap\u0131laca\u011f\u0131 zamanda yat\u0131r\u0131mdan elde edece\u011fi kazanc\u0131n \u00f6n\u00fcne ge\u00e7erse, faizler d\u00fc\u015fse bile yat\u0131r\u0131m artmaz.<\/li>
    • \u00dclke genelinde siyasal istikrar olmal\u0131d\u0131r. Siyasal istikrar\u0131n olmad\u0131\u011f\u0131 \u00fclkelerde enflasyon, d\u00f6viz kurlar\u0131 vb. ekonomik veriler \u00e7ok g\u00fcvenli olmayabilir. Dolay\u0131s\u0131 ile siyasal istikrar s\u00f6z konusu de\u011filse, yat\u0131r\u0131mc\u0131, zarar edebilme ihtimaline kar\u015f\u0131l\u0131k, o d\u00f6nemde faizler d\u00fc\u015fse bile yat\u0131r\u0131m yapmaya \u00e7ekinebilir.<\/li>
    • Piyasa dalgalanmalar\u0131 risk \u00fcretecek konumda olmamal\u0131d\u0131r. Fiyat dalgalanmalar\u0131n\u0131n \u00e7ok g\u00f6r\u00fcld\u00fc\u011f\u00fc d\u00f6nemde faiz oranlar\u0131 d\u00fc\u015ferse, yat\u0131r\u0131mc\u0131 gelecekten emin olamad\u0131\u011f\u0131 i\u00e7in sermayesini riske atmak istemez veya faize katlanarak yat\u0131r\u0131m yapmaktan \u00e7ekinir, yapmayabilir.<\/li><\/ul>

      Dolay\u0131s\u0131 ile ekonomistler, yukar\u0131daki olgular\u0131 ayr\u0131nt\u0131l\u0131 bir bi\u00e7imde, verilere dayanarak ara\u015ft\u0131rd\u0131\u011f\u0131nda bu ihtimallerin ge\u00e7erli oldu\u011funu g\u00f6recektir. Dolay\u0131s\u0131 ile faiz ile yat\u0131r\u0131m aras\u0131ndaki ters ili\u015fkiyi savunan ekonomi bilimi uzmanlar\u0131 bu olgusunun asl\u0131nda her zaman ge\u00e7erli olmad\u0131\u011f\u0131 kan\u0131s\u0131na varacaklard\u0131r.<\/p>

      Sonu\u00e7 olarak faizlerin d\u00fc\u015fmesi ve yat\u0131r\u0131m yap\u0131lmas\u0131 aras\u0131nda her zaman negatif orant\u0131 yoktur. Baz\u0131 senaryolar g\u00f6z \u00f6n\u00fcne al\u0131nd\u0131\u011f\u0131nda do\u011fru orant\u0131 oldu\u011fu g\u00f6r\u00fclebilir.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

      Faiz \u00a0 Faizin tan\u0131m\u0131n\u0131 iki a\u00e7\u0131dan de\u011ferlendirilir: Faize katlanan (gider olan) taraf a\u00e7\u0131s\u0131ndan: Belirli bir fona sahip ki\u015fi veya kurumlardan, o anki maddi ihtiyac\u0131n\u0131 kar\u015f\u0131lamak i\u00e7in al\u0131nan borcun kullan\u0131m\u0131 i\u00e7in belirli bir zamanda katlan\u0131lan maliyettir. Faize veren (geliri olan) taraf a\u00e7\u0131s\u0131ndan: Belirli bir fona sahip…<\/p>","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1025","post","type-post","status-publish","format-standard","hentry","category-fiaco-global"],"yoast_head":"\nFA\u0130Z VE YATIRIM ARASINDAK\u0130 \u0130L\u0130\u015eK\u0130 | Fiaco Global<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fiacoglobal.com.tr\/en\/2022\/04\/12\/faiz-ve-yatirim-arasindaki-iliski\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FA\u0130Z VE YATIRIM ARASINDAK\u0130 \u0130L\u0130\u015eK\u0130 | Fiaco Global\" \/>\n<meta property=\"og:description\" content=\"Faiz \u00a0 Faizin tan\u0131m\u0131n\u0131 iki a\u00e7\u0131dan de\u011ferlendirilir: Faize katlanan (gider olan) taraf a\u00e7\u0131s\u0131ndan: Belirli bir fona sahip ki\u015fi veya kurumlardan, o anki maddi ihtiyac\u0131n\u0131 kar\u015f\u0131lamak i\u00e7in al\u0131nan borcun kullan\u0131m\u0131 i\u00e7in belirli bir zamanda katlan\u0131lan maliyettir. 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