İslami Finans Merkezi Olmak İsteyen Bir Başşehir:
Londra ve İslami Finansa Genel Bir Bakış
Muhammed Ebu Hasbo*
İngiltere’nin başkenti Londra’da, İslami fon hakkında, faizi esas almayan İslami menkul kıymet türlerinden Sukuk (kar-zarar esasına dayalı İslami borç senedi) hakkında uluslar arası büyük bir toplantı düzenleniyor. Şüphe yok ki Londra, son yıllarda onunla rekabet etmeye başlayan Bahreyn, Dubai ve Malezya gibi Müslüman devletlere itibar edilmekle birlikte İslami fonun tercih ettiği birinci Batı başkentidir. Londra bu konumunu muhafaza etmek ve tartışmasız olarak güçlendirmek için hevesle gayret ediyor. İngiliz hükümetinin Sukuk’un vergiden muaf tutulmasına izin veren son kararı, bunun kuvvetli bir göstergesidir. Londra’daki finans uzmanlarının çoğuna göre, İngiliz yetkililerinin İslami bankaların büyümesini teşvik etmek ve artan petrol fiyatları sebebiyle katlanan Körfez sermayesini çekmek için yaptığı en önemli icraat budur. İngiltere dâhilindeki Müslüman göçmenlerin (çoğu Asya kökenli) sayılarının ve servetlerinin hızla artması da diğer bir etkendir. Bu uygulama için gayret gösteren Londra belediye başkanı diyor ki: “Şüphesiz ki ahlaki açıdan insanlara dini inançlarına uygun olarak yatırım ve ticaret yapmalarına izin vermemiz gerekir. İş açısından bu adım Londra’ya büyük derecede fayda sağlayacak ve şüphesiz Körfez sermayesinden çoğunu Londra’ya çekecektir.” Diğer taraftan, borsa başkanı da şöyle söylüyor: “Bu uygulama, özellikle İslami finans araçlarının yerleştirilmesi ve büyük finans kuruluşlarının buna sokulmasındaki başarısı ile Londra’nın İslam dünyasının finans merkezi konumunu güçlendiriyor. İngiltere hükümetince tertip edilen toplantının katılımcıları, Avrupa, Arap dünyası, Japonya ve Malezya’daki merkez bankaları ve yatırım bankalarından bankacılardır.”
İngiliz hükümeti, İngiliz finans şirketleri için diğer borç senetlerinden kazanılan faizlerin vergi dışı tutulması gibi aynı durumun Sukuk için uygulanmasına müsaade eden yasal düzenlemeleri hazırlamıştı. Yani İngiliz şirketleri borç senetlerine ödenen faizi şirket kârından ayrı tutuyor ve bu meblağı vergi olarak ödemiyor. Sukuk’a ödenen meblağa gelince, “faiz” olarak nitelendirilmediğinden dolayı şirket karından ayrı tutulmuyor. Bilindiği gibi, Sukuk’a ödenen kâr yatırım faaliyetinden kaynaklanmaktadır ve Batılı anlayışa göre “faiz” değildir.
Yine hiç şüphe yok ki; yeni İngiliz uygulaması Londra’nın dünya finans başkenti olan New York ile rekabetindeki konumuna destek olacaktır. Amerika Birleşik Devletleri’ndeki eyaletlerin çoğunun kanunlarına göre Sukuk yasaktır. Ve ABD’de özellikle 11 Eylül 2001 olayından beri, İslami olan her şey düşmanca bir tutum içindedir. Amerikalı akademisyenlerden biri “İslami finans” ile “Terör finansı”nı karıştırmadan, Amerikan düşüncesindeki bu karışıklığın ABD’deki İslami fon grubunun gelişmesini engellediğine işaret ederek samimi bir görüş belirtti.
Bu bağlamda, finans işlerinde uzman İngiliz “Financial Times” gazetesi: “ İslami Sukuk piyasası son beş senede neredeyse sıfırdan 70 milyar USD (2007 Haziran itibariyle) hacme ulaşarak büyük bir gelişme kaydetmiştir. Büyümeye devam eden bu rakam Amerikan menkul kıymetler dairesindeki yatırım sermayesi hacmi içinde küçük bir kısmı temsil etmektedir. Ancak, Irak savaşından beri artan petrol fiyatlarını ve kronik hale gelen 11 Eylül olayını içinde bulunduran son birkaç sene esnasında İslami piyasadaki büyüme hızının yüksekliği şaşırtıcıdır. Körfez petrolünden gelen fazla sermaye kendine kâr getirecek ve aynı zamanda İslam dininin esaslarına ters düşmeyen yatırım araçları aramaktadır” şeklinde görüş belirtti.
Londra’nın İslami sermayeye sunduğu kolaylıklara devam edeceği gayet açıktır. Londra, Avrupa’daki en büyük finans başkentidir ve New York dışında onunla dünyada rekabet edecek yoktur. İslami yatırımların iradesi (New York’a) bağlı olmasına rağmen ibre Londra lehine dönmektedir. Emirliklerin emlak şirketi “Al-Daar” şirketinin 1 milyar USD değerindeki Sukuk hisselerini geçen şubat ayında ihaleye çıkarmak için Londra borsasını seçmesinin sebebi muhtemelen buydu. Bu Sukuk’un değeri bu gün 2,5 milyar USD’ye yükselmiştir. Borsa “Al-Daar” tecrübesiyle diğer Arap şirket ve kurumlarını yatırım için Londra’ya çekmeyi umuyor.
Bu bağlamda, Londra’dan kendine merkez yeri alan Avrupa İslam Yatırım Bankası müdürü John Gigolin diyor ki: “Yeni mevzuat Londra’daki İslami finans yatırımlarının büyümesine büyük katkı sağlayacak. İlaveten, Avrupa’daki en büyük finans pazarı olması, zaman dilimi olarak New York ile Tokyo arasında yer alması ve basit saat farkıyla Arap ülkelerine yakın olması önemlidir. Tabii ki, mali uzman ordusunu, değerlendirmede ve mali mevzuattaki köklü tecrübesini ayrıca dünya çapındaki devlet bankaları ve finans kurumlarının tamamının (Londra’da) şubesinin olmasını unutmuyoruz. İngiliz hükümetinin İslami fona sunduğu Sukuk ve hesaplarının vergiden muaf tutulması gibi kolaylıklar bunla sınırlı kalmadı. Bilakis İslami konut borçlanmalarındaki çifte vergiyi (konut alışverişinde bulunan tarafların her birinden tahsil edilen) kaldırdı. İslami usuldeki uygulama; banka konutu satın alır ve sonra daha yüksek bir fiyatla müşterisine satar (“Sahiplik Kira Sözleşmesi” şeklinde). Fakat İngiliz usulünde, bu uygulamanın satın alma işini ihtiva ettiğine itibar ediliyordu, sonradan bunun üzerine iki kere vergi tahakkuk ediyordu (banka konutu aldığı zaman, bir de konutun sakini ondan satın aldığı zaman). Ancak hükümet çifte vergiyi kaldırdı ve iki taraf için İngiltere’deki diğer konutlar için ödenen vergiye eşitleyerek tek vergi tahakkuk ettirdi.”
İslami Finans İngiltere’de gelişiyor
“Financial Times” gazetesi, son beş senede gerçekleşen şeyin inanılmaz olduğunu söylüyor. On sene önce İslami fonun Batıda bu hızla büyüyeceğini kim tahmin edebilirdi. Bu hız, bünyelerinde İslami danışma bölümü kurmaya özen göstermeye başlayan birçok Batılı finans şirketinin dikkatini çekmişti. Bu yüzden büyüyen pazarın bir İslami fon pazarına dönüşmesine dair bir korku var. Ancak yine bu hız, İngiltere’deki İslami fonun büyümesine etki edecek ilave yasal düzenlemelerin üzerinden bir süre geçmesi gerektiğine inananlardan bazılarının korkularına tesir ediyor. Finans danışma şirketi Oliver Weyman’ın yönetim kurulu üyesi Aleksander Liz şuna işaret ediyor: “İslami usule uygun yer alan sermaye, hali hazırda 300 milyar USD civarında bir güce erişmektedir. Bununla birlikte ticaret ve yatırım bankaları ve yardımlaşma sandıklarından oluşan 280’den fazla kuruluşun İslami şube açmasıyla finans kuruluşlarının sayısı artmaktadır.”
Mali şirketlere hizmet veren “Standart & Poors” şirketi, Sukuk alanındaki büyümenin hali hazırda 70 milyar USD olan tutardan sözleşme bitiminde (yani 3 sene zarfında) 160 milyar USD tutarına çıkacağını tahmin ediyor. Şirket, İslami fonun hızla İngiltere’deki eklenti pazar konumundan esas pazarın bir parçasına dönüştüğünü söyledi. Buna ilave olarak ta, İslami fonun devlet finans pazarlarındaki sermaye içinde sadece %1 oranında temsil edilmesine rağmen hızla büyüdüğünü ve gelecek birkaç sene içinde bu büyüme hızının devam edeceğinin beklendiğini belirtti. Bu bağlamda, İngiliz HSBC Bankası Sigorta Bölüm Başkanı Nebil Şuayb “ İslami fon 8 ila 10 sene içinde dünya çapındaki 1,6 milyar müslümanın yarısının beğenisini kazanmada başarı sağlayacaktır” diyor. Diğer taraftan Financial Times gazetesi, İslami fonun son beş sene zarfında bu şekilde büyümesini iki ana sebebe bağladı. Birincisi, kimliklerine sımsıkı bağlı Müslümanların çoğunun ABD bankalarındaki varlıklarını çekmelerini engelleyen 11 Eylül olayı, ikincisi de Ortadoğu’da büyük bir servet fazlalığı oluşturan petrol fiyatlarındaki yüksek artıştır. İkinci sebebin 11 Eylül olayı ve “terörle savaş”’tan çok hariç tutulmayan siyasi sebeplere bağlı olduğu değerlendirmesi yapılıyor.
Son beş sene, sadece İngiltere’deki İslami fon hacmindeki genişlemeyi değil bununla birlikte Batılı finans işlemlerinin yaklaşık olarak her birinin İslami bir benzeri olmaya başlaması şeklindeki İslami finans ürünlerinin sayı ve çeşidinin de arttığını göstermiştir. Gazete 5 sene önce İslami fonun, Suudi Arabistan’daki farklı kişilerden oluşan ve faiz olduğu düşüncesiyle hesaplarına herhangi bir kâr (yani faiz) talep etmeyen mudilerinden memnun bir şekilde düşük oranlarla finans hizmeti vermeyi beceren Al-Racihi Bank ile kendini sınırlandırdığını belirtti. Ancak bu gün, hazine bonosu, hisse senetleri, borç senetleri gibi finans piyasaları işlemlerinin hatta “Acileh-(vadeli)” diye bilinen piyasa işlemlerinin İslami birer örneği olmaya başlamıştır. Bu bağlamda, Barcalase Bank gelişen pazarlar bölüm başkanı Syrus Ardilan, Batı tarzındaki bütün finans ürün ve araçlarının kolaylıkla İslami forma dönmeye başladığını söyledi.
İslami Finansın Sorunları
Bazı İslami bankalar bu üsluptan şikâyet ediyorlar ve İslami fonun bu yolla, kendine has üslubunu oluşturmak yerine… Batının işine benzer şekilde sadece Batılı finans usul ve araçlarını (basit değişikliklerle) aksettiren bir ayna olduğuna inanıyorlar. Bazı gayrimüslim şikâyetçiler, İngiltere’deki mevcut finans mevzuatının dini esaslar bahanesiyle daima kendine ayrıcalıklar bulan yeni İslami finans ürünleriyle rekabette yetersiz olduğuna inanmaktadırlar. Onlar Ortadoğu’daki İslami finans kuruluşları arasında yayılan “şeffaflığı olmayan kültüre” de işaret ediyorlar. Son olarak onlar, yeni büyüyen pazarlarda bazılarının tutkuyla desteklediği benzer örnekleriyle dolu olan İngiliz finans piyasası tarihinden (hareketle) sonradan bunun boş bir balon çıkacağını tahmin ediyor ve İslami piyasadaki mevcut canlılık umulur ki genel şekliyle finans piyasaları canlılığının bir parçası olmasını sağlayamaz diyorlar. Yatırımcılardan birinin piyasanın halini sıfatlandırdığı dediği gibi: “Bir dönemde hızlı bir trend gösteren piyasada, senin satılığa çıkardığın her şeyin müşterisi bulunacaktır.”
İngiltere’deki İslami finansın karşılaştığı (muhtemelen genel şekliyle bütün İslam devletlerinde) diğer bir sorun vardır. O da İslami esasların yorumlarının fazla olmasıdır. Öyle ki ekol ve görüşler artıyor. Ondan sonra yeni finans ürününün dini mevzuata uygun olup olmaması (durumu) elbette işi zorlaştırıyor. Bunun neticesinde bazı İslami bankalar, diğer bankanın şer’i muhalefet nedeniyle reddettiği belli finans işlemlerini kabul etmektedir. Bu ihtilaflar, birçok bankayı banka yönetim kurulu üyeliğine bir din adamı koymaya zorlamıştır. Bazı zamanlarda bu din adamı, bankanın kârına olan belli eğilimlere fetva vermesi için büyük baskılara maruz kalmaktadır. Diğer bir taraftan, mevcut kanunları kesin ve karmaşık olan Batılı pazarlar hakkında verilen bir hüküm genele uygulanıyor. Ve onun yorumu, gelişen pazarla birlikte çağdaş kanunların kendisini her gün tarihi metinlerin kısıtlaması olmaksızın yenilemesi sebebiyle sadece bir yönüyle doğru oluyor. Ancak İslami bankaların çoğu, bankalardan olmayan, finans işlerine fetva veren ve devlete bağlı “Yüksek Şeriat Meclisi” bulunan Malezya örneğine bakmaktadır. Analistler diyor ki: “ İslami finansta bir standart olmaması esas zorlukları devam ettiriyor, düşünce ve uygulamada birlik sağlandığı zaman bu alanda şimdikinin aksine çok büyük derecede bir genişleme sağlamak mümkün olur. Bunun yanında İslami finansın önünde uluslar arası rolünü oynaması için kapının açıldığı vakittir.
İslami finans için en kuvvetli tenkitlerden biri de, onun İslam şeriatının özünü uygulamayıp onun sadece formalitesini uygulamasıdır. Sonradan değişebilen kâr-zarar ortaklığı tertibinin olması istenirken mali işlerde sabit faiz oranı esasına dayalı faiz haram kılınıyor. Uluslar arası bankacı ve “300$: Milyar Hile Bankacılığı” kitabının yazarı Muhammed Salim diyor ki: “ İslami finans işlemlerinin sadece %5 lik bir kısmı kâr-zarar fikrine göre icra ediliyorken çoğunluğu murabaha olarak icra ediliyor.” Murabahanın İslami bankaların çoğunda aşağıdaki gibi hesaplandığına (anaparadan belirlenen kâr + vergiler) işaret ederek bu kârın yaklaşık olarak faizli bankalardaki faiz oranına denk geldiğini ilave etti. Bunun yanında İslami bankalardan bazısı murabahada kullanacağı kârı belirlemek için faiz oranını ölçü olarak kullanıldığını ve ortalama İslami kâr (oranı) ile faizli sistemin ortalama faizi arasındaki müthiş yakınlığın sadece tesadüf mü olduğunu sorguladı. İslam tarihindeki gerçek murabaha fikrinin dokunulabilir (somut) mal ticaretinde uygulandığını, ancak günümüzde bu fikir anaparadan hesap edilen ortalama kâr kullanılarak finans işlemlerine tatbik edilmekte ve bu, batı bankalarındaki faiz oranı fikrine (onu) İslami isimlerle ambalajlamamıza kadar çok yakınlaştırmaktadır diye ilave etti. Diğer bir örnek de konut kredileridir. Batılı bankalar konut alımı için kredi kullandırıyor sonra da bu kredi üzerinden aylık faizi ödüyorsun. İslami bankalardaki duruma gelince, banka senin için konutu satın alıyor (sana tahsis ettiği kredi limitinden) sonra senden aylık kira ödemeni talep ediyor.(konut üzerine konulan kredi faizine karşılık gelen) Ancak ikinci tesadüf konut kira meblağının faizli bankaların koyduğu aylık faize yaklaşık olarak denk gelmesidir.
Bazıları, İslami fon için batılı ürünlerin hilelerinden – İslami kılıf içinde olsa bile – uzak durulmasını, dinin özüne yaklaştırılmasını ve bununla kendine özel bir yol çıkarmasını söylüyor. Salim, bu ruhun İslam dünyasındaki herhangi bir yerden çok ABD’de yaygın olmasını kaderin bir cilvesi olarak açıklıyor. Çünkü ABD, bankaların, şirketlerin, finans kurumlarının icatların gelişmesi, buluş fikirlerinin fiiliyata sonra da üretime dönüşmesi için büyük meblağlar tahsis ettikleri ve “Risk Sermayesi” adıyla bilinen uygulamayla adını duyurmaktadırlar. Finansör ile buluş veya fikir sahibi arasındaki sözleşme biçiminin her taraf için %50 yani kâr ve zararın yarı yarıya paylaşılması şeklinde olması adettir. Şüphe yok ki, bu yol anapara üzerinden hesaplanan ortalama kâra değil de kâr-zarar ortaklığına dayanan İslam ruhuna daha yakındır.
“Risk Sermayesi” gibi üslup, toplumların gelişmesi, yeni endüstri dallarının ve yüz binlerce iş fırsatının oluşturulması açısından batı tarihinde her zaman en büyük pay sahibi olmuştur. Başlangıçta sadece küçük bir fikir olan Amerika’daki büyük sanayi kuruluşları bu yolla yükseldi. Bilgisayar, internet ve teknoloji şirketleri ( HP, Cisco, Intel, Sun Micro Systems, Apple, Netscape, Ebay, Google) gibi ki; şimdi dünya çapında milyonlarca insanın görev aldığı devasa endüstri şirketlerine dönüştü. Amerika’daki finans kurumları ve bunun yanında araştırmacı şahıslar, yeni fikir sahipleri ve bilim adamlarının finansmanı için yılda 25 milyar USD’den fazlasını dağıtıyor. Dokuzuncu asrın yarısından on birinci asra kadar İslam dünyası, üretimin ve teknoloji ilimlerinin geliştirilmesinde lider idi. Tarihin bilinen bu uzun döneminde, ilmi projelerin finansmanı bunların geliştirilmesi ve kârlı ticari projelere dönüştürülmesine kendi “Risk Sermayesi” metodunu kullanmakla ve hükümdarların cömertliğiyle meşhur olduğu bilinmektedir. Buna mukabil bazıları son 30 senede çağdaş İslami finansın geliştiğini söylüyor. (Ancak) Ne ilmi, ne ticari ne de sınaî olarak İslam toplumları hayatında elle tutulur bir çalışmaya ve uluslar arası toplumda hatırlanan bir katılıma çözüm getirmedi. Bütün yaptığı, faizli bankacılık metodundan “İslami kopya” oluşturma sonra da ona İslami dilde bir kılıf uydurma gayretidir.
* eş-Şark-ul-Evsat Gazetesi, Londra Muhabiri.
/// Hakkı Erçetin tarafından eş-Şark-ul-Evsat’taki Arapça aslından tercüme edilen bu yazı, Yüce Devlet Dergisi’nde (15 Kasım 2009, 3. sayı) yayınlanmıştır.
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