Faiz ve Sosyal Adalet: Reel Faiz Oraninin Gelir Adaletsizliği Üzerindeki Etkisi

Year 2016, Volume: 2 Issue: 1, 77 - 118, 23.09.2016

Ozan Maraşlı

Abstract

Faizin, Allah(svt) tarafından yasaklandığı üzere, sosyal adalet üzerinde ciddi bir etkisi vardır. Bu çalışmada faizin sosyal adalet üzerindeki etkisi reel faiz oranı ve gelir adaletsizliği bağlamında değerlendirilmeye çalışılacaktır. Gelir adaletsizliği, toplum içerisinde varlıkların, gelirin ve servetin adaletsiz paylaşımı sonucu ortaya çıkan bir durumdur. Adaletsiz gelir dağılımı ise genellikle toplumun bölünmesine yol açar; toplumun alt gelir grupları bu durumdan zarar görürken, üst gelir grupları bu durumdan fayda sağlarlar. Bu çalışmada reel faiz oranındaki değişimlerin gelir adaletsizliğine sebep olarak sosyal adalete zarar verdiği üzerinde durulmaktadır. Hem düşük hem de yüksek faiz oranları gelir adaleti üzerinde bozulmalara sebebiyet vermektedir.

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