Kocatepe İslami İlimler Dergisi

Öz

The banking and commercial system is based on business and profit maximization. Therefore, banks can increase their business capacity and grow to the extent that they can increase the number of their customers and manage their customers' financial savings. Different strategies and campaigns can be developed to increase customer potential. The application known today as salary promotion is a product developed for this purpose and implemented by banks. Banks give promotions under the name of rewards, grants or gifts to private or public employees who open a salary account and to individuals who are granted retirement rights by the Social Security System (SGK). In addition to this reward, some banks also add points to credit cards. The bank offers services such as special loans, credit cards, insurance and pension funds to its customers. The word promotion, which came into our language from French, can generally be defined as all the work done to promote a product to large audiences and to ensure the release of that product. In the finance sector, the contributions made by banks to institutions in order to promote their products and services and make them available for use are included in this scope. In exchange for product and service promotions to be made within the framework of the salary payment protocol, cash payment to institutions and/or institution personnel, granting (allocation) of the use of vehicles belonging to the Bank or transfer of ownership of these vehicles, invoicing the construction, renovation, repair and decoration costs of the institution to the Bank. Payment by bank etc. Various contributions are provided. For all these works and transactions, banks provide benefits to the institutions in a broad sense. These benefits are called "promotions" in the banking sector. In its current form, the promotion practice does not comply with the criteria of Participation banking, which continues its activities within the current financial sector but excludes the activities prohibited by Islam, and for this reason it is approved by advisory boards. Therefore, many participation banks cannot participate in the race to attract customers thanks to the promotional payments of conventional banks, and their share in the financial sector cannot improve in this context. On the other hand, the public asks questions to many fiqh academics working in Turkey in this context and demands a solution to this issue. However, when it became obvious that the promotion practice involved interest, it was seen that the fatwa authority gave negative answers. However, neither participation banks nor advisory boards can produce alternative solutions to the current practice. The second possibility, which will enable participation banks to both comply with Participation Finance criteria and enable people to choose participation banks for salaries, is possible with new applications that will be developed independently of the promotion. One of the products that can be developed in this context is the "Karz Limit" application. The basis of the system to be developed is "karz-ı hasen", which is a completely interest-free practice and is called a good debt, encouraged by verses and hadiths, which is the basis of participation finance criteria. As is known, qard al-hasan obliges the payment of the amount accrued as a debt in the dhimmah, and prohibits taking an extra amount due to the said debt, which has no counterpart. In this context, the starting point of the product is to promise qard-ı hasen instead of promotion in order to encourage retirees who are asked to choose the participation bank to receive their salaries. The study aims to examine in detail the fiqh dimension of the currently implemented promotion practice for employees and to make a detailed analysis of its inappropriate aspects in this respect, as well as to develop a suitable and applicable product in terms of participation finance strategy and jurisprudence. In this way, an alternative product is being developed for people from the Turkish society who live their lives in accordance with Islamic rules. In this way, people will be able to receive the earnings they deserve using a more convenient way.