HAC İBADETİNİN MALİ ZORLUKLARINI AŞMADA BİR MODEL ÖNERİSİ: TÜRKİYE HAC SANDIĞI

Yıl 2021, Cilt: 7 Sayı: 1, 1 - 32, 30.06.2021

İbrahim Güran Yumuşak , Rümeysa Bilgin

Öz

Haccın mali ve bedeni bir ibadet olmasının getirdiği zorluklara, kontenjan sınırlaması nedeniyle ortaya çıkan tarih belirsizliği de eklenince Türkiye’deki Müslümanların bu süreci yönetmesi zorlaşmaktadır. Özellikle hac hizmetlerinin maliyetinin yüksek olması ve genellikle birden fazla aile üyesi ile gerçekleştirilmesi nedeniyle hac kurası çıkan hacı adayları ciddi bir finansman zorluğu yaşayabilmektedirler. Türkiye’de yaşanan bu problem, Malezya’da 1960’lı yıllarda kurulan Tabung Haji benzeri bir kurumun ihdas edilmesi ile aşılabilir. Bu çalışmanın amacı Türkiye’de haccın mali külfetinin azaltılması, birikimlerin verimli şekilde değerlendirilmesi ve faizsiz finans araçlarının çeşitlendirilmesine yönelik olarak hac sandığı ve/veya fonu için bir model önermektir. Modelin işlerlik kazanması için, katılım bankaları üzerinden açılacak hesaplarda bireysel emeklilik veya çeyiz hesabı uygulamalarında olduğu gibi belirli bir oranda devlet katkısının sağlanması önerilmektedir. Böylelikle Türkiye’deki faizsiz finans enstrümanları çeşitlendirilmiş, hac için biriktirilen kaynaklar ekonomiye kazandırılmış ve aynı zamanda hacı adaylarını zor durumda bırakan mali belirsizlik ortadan kaldırılmış olacaktır. Haccın yanı sıra umre için de benzer bir mekanizmanın kurulması durumunda Türkiye’de tasarruf yetersizliğinin aşılmasına yönelik güvenilir, verimli ve sürdürülebilir bir model oluşturulabilecek ve reel ekonomiye kaynak sağlanabilecektir.

Anahtar Kelimeler

Türkiye Hac Fonu, Yeni Araçlarla İslami Finans, Sürsürülebilir Kalkınma

A MODEL PROPOSAL TO OVERCOME THE FINANCIAL DIFFICULTIES OF HAJJ: TURKEY HAJJ FUND

Öz

In addition to its challenges as a financial and physical form of worship, the uncertainty arising from the quota limitation makes Hajj a challenging process to manage for Muslims in Turkey. Hajj pilgrim candidates may experience serious financial difficulties, especially since the cost of pilgrimage services is very high and the worship is usually carried out with more than one family member. A pilgrimage fund like Malaysia’s Tabung Haji can be launched in Turkey to solve these problems. The proposed model will reduce the financial burden of pilgrimage, provide an efficient investment opportunity and increase the diversification of interest-free financial products in Turkey. Besides, state support is suggested to the hajj accounts in participation banks, such as the support provided to private pension or dowry accounts. The model aims to diversify Islamic finance instruments, supply new funds to the economy, and decrease the financial uncertainty affecting pilgrim candidates. Moreover, if a similar mechanism is established for Umrah, a reliable, efficient, and sustainable model to overcome the deficiencies in Turkey’s saving will be created and new resources will be provided for the real economy.

Anahtar Kelimeler

Turkey Hajj Fund, Islamic Finance with New Instruments, Sustainable Development

Kaynakça

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