KARZ-I HASEN
(FAİZSİZ BORÇ VERME)
Lahem En-Nasır*
Karz-ı hasen, İslam dininin vazettiği ve üzerinde önemle durarak sevabı olan bir eylem olarak addettiği sosyal yardımlaşma yollarından biridir. Karz-ı hasen Kur’an-ı Kerim’in birçok yerinde zikredilmiştir. “Kimdir Allah’a güzel bir borç verecek o kimse ki, Allah da o borcu kendisine kat kat ödesin. (Rızkı) Allah daraltır ve genişletir. Ancak ona döndürüleceksiniz. (Bakara suresi, 245. ayet)” / “Andolsun, Allah İsrailoğullarından sağlam söz almıştı. Onlardan on iki temsilci -başkan- seçmiştik. Allah şöyle demişti: Sizinle beraberim. Andolsun eğer namazı kılar, zekâtı verir ve elçilerime inanır, onları desteklerseniz, (fakirlere gönülden yardımda bulunarak) Allah’a güzel bir borç verirseniz., elbette sizin kötülüklerinizi örterim ve andolsun sizi, içinden ırmaklar akan cennetlere koyarım. Ama bundan sonra kim inkâr ederse, mutlaka o, dümdüz yoldan sapmıştır. (Maide suresi,12. ayet)” / “Şüphesiz ki sadaka veren erkeklerle sadaka veren kadınlar ve Allah’a güzel bir borç verenler var ya, (verdikleri) onlara kat kat ödenir. Ayrıca onlara çok değerli bir mükâfat da vardır. (Hadid suresi, 18. ayet)” / “Eğer siz Allah’a güzel bir borç verirseniz Allah onu size, kat kat öder ve sizi bağışlar. Allah şükrün karşılığını verendir, Halîmdir. (Tegabun suresi, 17.ayet)” / “… Zekâtı verin, Allah’a güzel bir borç verin … (Muzzemmil suresi, 20. ayetten)
Hz. Hasan (Allah’ın rahmeti üzerine olsun), “Kur’an-ı Kerim’de geçen borç verme ibarelerinin her biri gönüllü olarak ifayı ihtiva etmektedir” demiştir. Karz-ı hasen samimi olarak yapıldığı takdirde sadaka ve benzeri gibi salih bir amel olarak zikredilmiştir. Buradan hareketle, bazı âlimlerin Kur’an’da zikredilen borç vermeyi kulun Allah’a yaklaşmak için borç verdiğinin iade edilmesini beklemeksizin karşılıksız olarak vermesi şeklinde sınırlandıklarını görmekteyiz. Zira infak eden bu hareketinin karşılığını kıyamet gününde Allah’tan beklemektedir. Aynı hibe, sadaka, ordunun hazırlanmasına yardım etme ve Allah yolunda savaşma gibi amellerde olduğu gibi. Ancak ben bu karşılığın sadece bu hayrı işleyen kimselerle sınırlandırılmaması gerektiğini düşünüyorum. Bilakis müslümanın, müslüman kardeşine yardım yoluyla Allah’a yaklaşma niyetiyle yapması halinde karz-ı hasen şeklinde kardeşine verdiği şeyin de buna dâhil edilmesi gereklidir. Bu söylediğim şey, Ebu Hureyre’nin (Allah’ın rahmeti üzerine olsun) rivayet ettiği bir kudsi hadis tarafından da desteklenmektedir. “Resulullah sallallahu aleyhi ve sellem buyurdular ki: “Kıyamet günü aziz ve celil olan Allah şöyle buyuracak: “Ey âdemoğlu! Ben hasta oldum beni ziyaret etmedin.” Kul diyecek: “Ey Rabbim, sen Rabbülalemin iken ben seni nasıl ziyaret ederim?” Rab Teala diyecek: “Bilmedin mi, falan kulum hastalandı, fakat sen onu ziyaret etmedin, bilmiyor musun eğer onu ziyaret etseydin, yanında beni bulacaktın?” Rab Teala diyecek: “Ey âdemoğlu ben senden yiyecek istedim ama sen beni doyurmadın!” Kul diyecek: “Ey Rabbim, ben seni nasıl doyururum. Sen ki Âlemlerin Rabbisin?” Rab Teala diyecek: “Benim falan kulum senden yiyecek istedi. Sen onu doyurmadın. Bilmez misin ki, eğer sen ona yiyecek verseydin ben onu yanımda bulacaktım.”Rab Teala diyecek: “Ey âdemoğlu! Ben senden su istedim bana su vermedin!” Kul diyecek: “ey Rabbim, ben sana nasıl su içirebilirim, sen ki Âlemlerin Rabbisin!” Rab Teala diyecek: “Kulum falan senden su istedi. Sen ona su vermedin. Bilmiyor musun, eğer ona su vermiş olsaydın bunu benim yanımda bulacaktın!”
Kur’an ayetlerinde “karz-ı hasen” lafzının “infak” ve ”sadaka” lafzından daha çok geçtiğini görmekteyiz. Kur’an-ı Kerim Allah yolunda harcamayı tavsiye etmek için kullanılan bu iki lafız ve benzerlerinin geçtiği ayetlerle dolu olmasına rağmen “karz-ı hasen” lafzı “infak” ve ”sadaka” lafızlarından daha çok kullanılmaktadır. Mesela, Allahu Teala buyuruyor : “De ki: “Şüphesiz, Rabbim rızkı kullarından dilediğine bol bol verir ve (dilediğine) kısar. Allah yolunda her ne harcarsanız Allah onun yerine başkasını verir. O rızık verenlerin en hayırlısıdır. (Sebe suresi, 39. ayet)”
Burada ilave bir mana var o da, Müslümanların Allah’a yaklaşmak adına karz-ı hasen yapmalarının teşvik edilmesi ve karşılığını sadece Allah’tan istemeleridir. Bu bir irtifak hakkı sözleşmesidir. Zira bu işlemde borç veren borç verdiği şeyden kendisine bir fayda sağlamamakta ve karşılığını ancak Allah’tan beklemektedir. Çünkü verilen şeyin artması veya fazlasının talep edilmesi şer’an haram kılınmıştır. Müslim’den rivayet edilen bir hadis-i şerif’te, faiz yiyen, yediren, onu kayda alan ve şahitlik eden lanetli olarak nitelendirilmiştir. Zaten Ebu Emame’den (r.a.) rivayet edilen bir hadis-i şerif’e göre İslam’daki karz-ı hasen sadakadan daha efdaldir. Rasulullah (sav) buyurdu ki: “ Bir adam cennete girdi ve kapısında şöyle yazdığını gördü: Sadaka on katı ile (ödüllendirilmiştir) ve karz ise on sekiz katı ile. (Beyhakî’nin es-Sunen’inde ve Taberanî’nin el-Kebîr’inde zikredilmiştir ve Şeyh el-Albanî Silsilet-üs-Sahiha’sında doğrulamıştır.)”
İslam’daki karz-ı hasenin önemine ve Allah’ın ona karşılık vereceği mükâfata rağmen günümüz İslami bankacılık kültüründe bunun bir etkisini görememekteyiz. Hatta karz-ı haseni bu sektörün sosyal sorumlulukları kapmasında tasnif etmek mümkündür. Zira karz-ı hasen, İslam’ın teşvik ettiği zengin ile fakir arasındaki uçurumu kapatacak bir köprü ve servet fazlasını olanlardan ihtiyaç sahiplerine nakledecek araçlardan biri olarak kabul edilmektedir. Ayrıca geri ödeme açısından yeterli teminatlara sahip olmayan düşük gelirli grupların finansman kanallarından biri olarak toplumda üretim artışına katkıda bulunmaktadır. Ancak bu eşsiz İslami ilkenin, İslami bankacılığın öncülerinden biri tarafından herhangi bir finansmanla ilişkisi olmayan maaş hesaplarını çekmeyi hedefleyen bir pazarlama aracı olarak kullanılması üzücü ve ironik bir durumdur. Bu öncü bankanın karz-ı hasen işlemi için oluşturduğu şart ve talepler, ihtiyaç sahibi Müslümanların hayatını kolaylaştırmayı hedeflemekten çok, maaş hesapları için hazırlanmış bir olta yemine benzemektedir. Toplumdaki fertlerin çoğu bunu onaylamamaktadır ve böyle bir tasarrufun İslami temel ilkelerin içeriğini hedefleri çarpıtarak bankanın maddi hedeflerini gerçekleştirmek adına dini ve köklü ilkelerini suiistimal etmek olarak görmektedirler.
Bu şekilde davranan bir İslami banka, temelini oluşturan ilkelere sadık mıdır?
Kurumsal Çerçevede Karz-ı Hasen
Yukarıda, dinimizin yapılmasını teşvik ettiği ve karşılığında büyük bir ecrin verileceği sosyal yardımlaşma yollarından bir tanesi olan karz-ı hasen’den ve onun İslam dinindeki öneminden bahsetmiştim. Bu fiilde borç veren kişi müslüman kardeşine borç verirken sanki Allahu Teala’ya borç vermiş gibi olmaktadır ve bu dünyevi borç vermeye karşılık olarak ahirette büyük bir ecir kazanmaktadır. Yukarıda, bazı İslami bankacılık kuruluşlarındaki karz uygulamalarının bu yardımlaşma örneğindeki yüksek mananın içini boşalttığına ve bunu kârlarını arttırmak için bir pazarlama aracı yaptığına veya müşterilerini uzak tutması gereken İslami şeriatın yasakladığı faize bir kılıf uydurma hilesine dönüştürdüğüne değinmiştim. Muhtemelen bunun sebebi bu kuruluşların kâr hedefli kuruluşlar olmasıdır. Bunun sonucu olarak, bir çıkar çatışması ortaya çıkmaktadır. Bu çıkar çatışması, karz-ı hasenin ortaya konmasındaki, karşılığını Allah’tan bekleyerek sosyal yardımlaşma adına ihtiyaç sahiplerine yardım etmek ve bunu yaygınlaştırmak olan şer’i amaç ile İslami finans kuruluşlarının yatırımdan maddi kar elde etmek olan kurumsal amacı arasında olmaktadır. Bu kurumsal amaç da doğru ve kaideye uygun bir şekilde gerçekleştiği zaman meşrudur.
Bu iki çıkarın çatışması ışığında bu iki meseleyi ayırmanın esas olduğunu düşünüyorum. İslami finans kuruluşlarından müşterilerine sundukları finansman işlemlerini, karz-ı hasen formunda yapmalarını istememiz doğru değildir. Varlıklarını bu şekilde kullanmaları İslami bankacılık kuruluşlarını adım adım geçersiz bir iş modeline çevirecektir. Çünkü yatırımcılar bu kuruluşların kurulmasına olan arzularını kaybedecek ve yatırım yapmalarındaki hedefi olan karlılığı gerçekleştiremeyen kuruluşları terk edeceklerdir. Bu kuruluşlar da böylece hayır kurumlarına dönüşecektir. İslami bankacılığı karz-ı hasen şeklinde finansman hizmeti sunmaya davet edenler, aslında İslami bankacılığın bir iş modeli olarak rafa kaldırılmasına çağrı yapıyorlar. Bazı İslami bankacılık teorisyenleri, günümüz İslami bankacılık sektörünün en önemli finansman araçlarından bir olmaya başlayan bankacılık tavarruk** düzenlemesine tepki verirken bu tuzağa düşmüşlerdi. Sektörün toplam finansman işlemlerinin % 65’ini teşkil eden tavarrukun, karz-ı hasen ile ikame edilmesini istemişlerdi. Bu çağrıyı yaparken bu değişikliğin sektörü geçersiz bir iş koluna dönüştüreceği akıllarından bile geçmemişti.
Bu çağrılar ve benzerlerinin bazı İslami ekonomi teorisyenlerinin gerçeklikten ne kadar uzak olduklarını bize göstermektedir. Bu gerçeklik onların teorilerinden çoğunun uygulanmasını mümkün kılmamaktadır. Bu yüzden İslami bankacılık sektöründe teori ile pratik arasında çok açık bir uyuşmazlık görmekteyiz. Şüphesiz benim çağrım, karz-ı hasenin İslami bankacılık kuruluşlarından ayrı tutulması, bu kuruluşların eski bir gelenek olarak karz-ı haseni canlandırmak yoluyla yardım elini uzatması dâhil olmak üzere topluma dönük görevlerden muaf tutulması manasında değildir. Çünkü bu kuruluşların bu hizmeti sunmalarının gerekli olduğunu düşünüyorum. Ancak bunu, bu amaç için kurulmuş oluşumlar yoluyla veya toplumsal hayır kuruluşlara veyahut yardımlaşma kuruluşlarına katılım yoluyla yapması gerekir. İslami bankacılık kuruluşları bu yardım kuruluşlarını desteklemeli, kuruluşları için gerekli sermayeyi koymaları, bu alanda sahip oldukları uzmanlık ile teknik destek ve yönetim denetimi desteği vermelidir. Bu faaliyet değişik amaçlarla yaptıkları finansman faaliyetine benzer bir faaliyet olmalıdır. Herkesçe malumdur ki, finansman işi mesleki ve idari yeterliliğe, bir yönetim sistemine ve yüksek maliyeti sebebiyle sadece finansal kuruluşlarda bulunan bilgi işlem sistemine ihtiyaç duyan bir faaliyettir.
Bir elde toplumun fertleri arasındaki yardımlaşmanın bir aracı olarak karz-ı hasen ve onun müesseseleri ve diğer elde kar hedefi güden bir iş modeli olarak İslami bankacılık kuruluşları ayrımını nasıl yapacağımızın yolu budur. Karz-ı hasen kurumlarının varlığı toplumun bütün katmanlarını kurumsal yardımlaşma işi kurma hususunda cesaretlendirecektir. Böylece vakıf örneklerinde bir değişikliğe şahit olacağız. Arazi ve binalar verme şeklindeki vakıf tipi yerine karz-ı hasen fonları (para verme) şeklindeki vakıf tipine şahit olacağız. Ayrıca bir aileye, aşirete veya çalışanlarına bağlı olan günümüz yardımlaşma fonları modelinde de bir değişiklik göreceğiz. Bu kurumlar basit ve sınırlı modelinden amaçlarını en güzel şekilde gerçekleştirmesini sağlayacak modern bir finansal ve idari sisteme bağlı çalışan kurumsal bir modele dönüşecektir. Başarı yalnızca Allah’tandır.
* İslami bir bankada danışman.
** tavarruk; geleneksel olarak vadeli satın alınan bir malın peşin satılarak nakde çevrilmesi işlemidir. Geleneksel işlemde, malın bizatihi alıcının uhdesine geçmesi ve ilk satan kişiye satılmaması şartı vardır. İslami bankacılıkta sistemsel tavarruk uygulaması ise yine müşterilerin nakit ihtiyaçlarını karşılamak üzere genellikle metal borsalarındaki bir maden üzerinden yapılmaktadır. Banka (platin gibi) bir madeni müşterisine vadeli olarak satar; müşteri de bu madeni borsada tekrar satarak nakde çevirir; bu durumda da bankaya geri satamaz. Bu işlemlerde genellikle fiziki sahiplik olmaz; çünkü işlemler genelde uluslar arası metal borsaları üzerinden yapılır; bu nedenle işlem kâğıt üzerinde olup biter. (Tavarrukun uygulanmasıyla ilgili olarak son dönemde meydana gelen tartışmalarla ilgili tercümeler, inşaallah, gelecek sayımızda yayınlanacaktır.)
/// Hakkı Erçetin tarafından 29.09.2009 tarihli eş-Şark-ul-Evsat Gazetesi’nden tercüme edilen bu yazı, Yüce Devlet Dergisi’nde (15 Şubat 2009, 4. sayı) yayınlanmıştır.
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