TASARRUFA DAYALI FAİZSİZ FİNANS SİSTEMİNE JAK BANKACILIK VE KARZ-I HASEN SİSTEMİ ÖNERİSİ
JAK BANKING AND QARD-AL HASAN SYSTEM PROPOSAL FOR INTEREST-FREE FINANCIAL SYSTEM BASED ON SAVINGS

Summary/Abstract: The interest-free finance system based on savings and the existence of companies operating in this field in Turkey dates back to 1991. The number of these companies, which have been calling their activities the “cooperative” system for 30 years, has increased rapidly, especially since 2018. In this study information about the interest-free finance system based on savings and the companies operating in this field was given and the risks posed by the activities of these companies for the participants were revealed. However, in order to meet the housing and vehicle needs of retail customers with interest-free finance, JAK banking system, which is an example of the cooperative banking system in Sweeden, and a new financing model that can be created with the karz-ı hasen system from participation banking financing products have been proposed. In addition; recommendations were made regarding the issues that require the regulation and supervision of the interest-free finance system based on savings.

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