![\"pensiya\"](\"http:\/\/www.zerdab.com\/wp-content\/uploads\/2013\/09\/pensiya-400x300.jpg\")
\u201cToxun acdan x\u0259b\u0259ri olmaz\u201d<\/p>\n\u201cToxun acdan x\u0259b\u0259ri olmaz\u201d<\/p>\n
Y\u0259qin ki, bu deyimin m\u00fcdrikl\u0259rin s\u00fczg\u0259cl\u0259rind\u0259n minl\u0259rl\u0259 d\u0259f\u0259 ke\u00e7dikd\u0259n sonra h\u0259yata v\u0259siq\u0259 ald\u0131\u011f\u0131na \u015f\u00fcbh\u0259 ed\u0259n \u00e7ox az olar.<\/p>\n
M\u0259n bu deyimd\u0259n yaz\u0131lar\u0131mda d\u0259f\u0259l\u0259rl\u0259 istifad\u0259 etmi\u015f\u0259m.<\/p>\n
H\u0259tta \u00f6z t\u0259cr\u00fcb\u0259md\u0259 toxun acdan x\u0259b\u0259ri olmad\u0131\u011f\u0131na inanm\u0131\u015fam.<\/p>\n
Etiraf edir\u0259m: n\u0259 q\u0259d\u0259r ki, g\u0259nc idim, qocalar\u0131n v\u0259ziyy\u0259ti yad\u0131ma d\u00fc\u015fm\u00fcrd\u00fc, onlar\u0131n dolan\u0131\u015f\u0131qlar\u0131n\u0131 nec\u0259 t\u0259min etdikl\u0259ri bar\u0259d\u0259 fikrl\u0259\u015fmirdim.<\/p>\n
\u0130ndi ya\u015flam\u0131\u015fam, bir ne\u00e7\u0259 ild\u0259n sonra pensiya ya\u015f\u0131na \u00e7atacam.<\/p>\n
7-8 il sonran\u0131 d\u00fc\u015f\u00fcn\u00fcr\u0259m. Allah \u00f6m\u00fcr vers\u0259, 8 ild\u0259n sonra pensiyaya \u00e7\u0131xmal\u0131yam.<\/p>\n
B\u0259s m\u0259n pensiyaya \u00e7\u0131xanda hans\u0131 pulla ya\u015famal\u0131yam?<\/p>\n
D\u00f6vl\u0259t v\u0259t\u0259nda\u015flara \u00f6z pensiyas\u0131n\u0131n miqdar\u0131n\u0131 m\u00fc\u0259yy\u0259n etm\u0259k imkan\u0131 verib.<\/p>\n
M\u0259n d\u0259 bu imkandan yararlanmaq fikrin\u0259 d\u00fc\u015fd\u00fcm.<\/p>\n
Bunun \u00fc\u00e7\u00fcn d\u00f6vl\u0259tin r\u00fcsum.az sayt\u0131nda yerl\u0259\u015fdiril\u0259n \u201cPensiya kalkulyatoru\u201dna m\u00fcraci\u0259t etdim.<\/p>\n
H\u0259min kalkulyator vasit\u0259sil\u0259 \u00f6z pensiyam\u0131 hesablad\u0131m: bu g\u00fcn pensiyaya \u00e7\u0131xsam, 165,13 manat pensiya alaram.<\/p>\n
(Q\u0259rib\u0259dir ki, D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fondunun (DSMF) r\u0259smi sayt\u0131nda yerl\u0259\u015fdirilmi\u015f kalkulyatorla hesablayarak\u0259n bu r\u0259q\u0259m 169,95 manat \u00e7\u0131xd\u0131).<\/p>\n
Bu r\u0259q\u0259m m\u0259ni m\u0259yus etdi. Amma \u00f6z\u00fcm\u0259 t\u0259s\u0259lli verib, h\u0259l\u0259 8 ilim var, miqdar\u0131 bir q\u0259d\u0259r art\u0131ra bil\u0259r\u0259m dey\u0259 d\u00fc\u015f\u00fcnd\u00fcm.<\/p>\n
Ona g\u00f6r\u0259 d\u0259 pensiyan\u0131n m\u00fc\u0259yy\u0259nl\u0259\u015fm\u0259 mexanizmini \u00f6yr\u0259nm\u0259y\u0259 \u00e7al\u0131\u015fd\u0131m. M\u0259lum oldu ki, 2006-c\u0131 il\u0259 q\u0259d\u0259r n\u0259 q\u0259d\u0259r \u0259m\u0259k haqq\u0131 alma\u011f\u0131n\u0131n pensiyaya art\u0131m\u0131na he\u00e7 bir d\u0259xli yoxdur. O m\u00fcdd\u0259td\u0259 staj rol oynay\u0131r.<\/p>\n
Y\u0259ni 2006-c\u0131 il\u0259 q\u0259d\u0259r h\u0259r bir staj ilin\u0259 1 manat 94 q\u0259pik (daha do\u011frusu 1,93375 manat) pensiya verilir. Bunun da \u00fcz\u0259rin\u0259 pensiyan\u0131n baza hiss\u0259sinin m\u0259bl\u0259\u011fini \u0259lav\u0259 edilir.<\/p>\n
O ill\u0259rd\u0259 v\u0259t\u0259nda\u015f\u0131n \u0259m\u0259k haqq\u0131n\u0131n ayda 1000 manat v\u0259 ya 70 manat olmas\u0131n\u0131n he\u00e7 bir f\u0259rqi yoxdur. Tutaq ki, s\u0259nin 2006-c\u0131 il\u0259 q\u0259d\u0259r 40 il staj\u0131n var v\u0259 ondan sonra he\u00e7 yerd\u0259 i\u015fl\u0259m\u0259mis\u0259n. O zaman s\u0259nin pensiyan 40X1,93375+100=177,35 manat ed\u0259c\u0259k. (100 manat pensiyan\u0131n baza hiss\u0259sidir, t\u0259\u0259ss\u00fcf ki, kalkulyator h\u0259l\u0259 d\u0259 baza hiss\u0259sind\u0259 k\u00f6hn\u0259 r\u0259q\u0259mi – 85 manat\u0131 g\u00f6st\u0259rir).<\/p>\n
2006-ci ild\u0259n sonra da i\u015fl\u0259mis\u0259ns\u0259, onda h\u0259min ill\u0259rd\u0259 ald\u0131\u011f\u0131n \u0259m\u0259k haqq\u0131 pensiyan\u0131n miqdar\u0131na t\u0259sir edir. G\u0259lin h\u0259sab el\u0259y\u0259k ki, A \u015f\u0259xsi 2010-cu ild\u0259 pensiyaya \u00e7\u0131x\u0131b v\u0259 2006-c\u0131 il\u0259 q\u0259d\u0259r 40 il staj\u0131 olub. 2006-2010-cu ill\u0259rd\u0259 is\u0259 ayda 300 manat olmaqla ild\u0259 3600 manat \u0259m\u0259k haqq\u0131 al\u0131b. Onda A \u015f\u0259xsin pensiyas\u0131 197,9 manat olar. (DSMF-nin kalkulyatornda 206,8 manat. Dey\u0259s\u0259n DSMF-nin kalkulyatoru o birind\u0259n insafl\u0131d\u0131r). Y\u0259ni son 5 il pensiya\u00e7\u0131n\u0131n pensiyas\u0131na c\u0259mi 20 manat \u0259lav\u0259 edir.<\/p>\n
Tutaq ki, A \u015f\u0259xsi son 5 ild\u0259 ayda 300 deyil, bundan 10 d\u0259f\u0259 \u00e7ox – 3000 manat \u0259m\u0259k haqq\u0131 al\u0131b (Az\u0259rbaycanda bu q\u0259d\u0259r maa\u015f alan varm\u0131?). Onda onun pensiyas\u0131 353,85 manat olar.<\/p>\n
G\u0259lin t\u0259s\u0259vv\u00fcr ed\u0259k ki, ayda 3000 manat maa\u015f alan adam\u0131 i\u015fd\u0259n azad edib ona ayda maa\u015f\u0131n\u0131n t\u0259xmin\u0259n 12 faizi q\u0259d\u0259r – 353 manat pensiya verirs\u0259n. Sizc\u0259, h\u0259min adam\u0131n v\u0259ziyy\u0259ti nec\u0259 olar?<\/p>\n
Bu \u0259dal\u0259tli sistemdirmi?<\/p>\n
M\u0259n 353 manatl\u0131q pensiyan\u0131 hesablayark\u0259n maa\u015flar\u0131n miqdar\u0131n\u0131 xeyli \u015fi\u015frdiyimin f\u0259rqind\u0259y\u0259m.<\/p>\n
\u0130ndiki mexanizml\u0259 real maa\u015flara g\u00f6r\u0259 hesablasaq, Az\u0259rbaycanda g\u0259l\u0259c\u0259kd\u0259 200 manatdan art\u0131q pensiya alan olmayacaq. Onu da n\u0259z\u0259r\u0259 almaq laz\u0131md\u0131r ki, SSR\u0130 da\u011f\u0131landan sonra bir m\u00fcdd\u0259t v\u0259t\u0259nda\u015flar ail\u0259nin g\u00fcz\u0259ran\u0131n\u0131 t\u0259min etm\u0259k \u00fc\u00e7\u00fcn qeydiyyats\u0131z, m\u00fcqavil\u0259siz i\u015fl\u0259m\u0259y\u0259 m\u0259cbur olublar v\u0259 h\u0259min ill\u0259rd\u0259 staj \u0259ld\u0259 ed\u0259 bilm\u0259yibl\u0259r.<\/p>\n
\u0130qtisadiyyat\u0131 y\u00fcks\u0259k s\u00fcr\u0259tl\u0259 inki\u015faf ed\u0259n \u00f6lk\u0259miz\u0259 bu c\u00fcr pensiya sistemi, yum\u015faq des\u0259k, yara\u015fm\u0131r.<\/p>\n
Z\u0259nnimc\u0259, pensiya konsepsiyas\u0131n\u0131 haz\u0131rlanma\u011fa m\u0259sul olan m\u0259murlar pensiyalar\u0131 \u00f6lk\u0259nin iqtisadiyyat\u0131na v\u0259 ehtiyac z\u0259nbilin\u0259 uy\u011funla\u015fd\u0131rmaq bar\u0259d\u0259 d\u00fc\u015f\u00fcnm\u0259lidirl\u0259r.<\/p>\n
Toxun acdan x\u0259b\u0259ri olmaya bil\u0259r, amma v\u0259t\u0259nda\u015f\u0131 bar\u0259d\u0259 d\u00fc\u015f\u00fcnm\u0259k m\u0259murun borcu v\u0259 v\u0259zif\u0259sidir.<\/p>\n
\u00dcrfan M\u0259mm\u0259dli, ZAMAN.<\/p>\n","protected":false},"excerpt":{"rendered":"
\u201cToxun acdan x\u0259b\u0259ri olmaz\u201d Y\u0259qin ki, bu deyimin m\u00fcdrikl\u0259rin s\u00fczg\u0259cl\u0259rind\u0259n minl\u0259rl\u0259 d\u0259f\u0259 ke\u00e7dikd\u0259n sonra h\u0259yata v\u0259siq\u0259 ald\u0131\u011f\u0131na \u015f\u00fcbh\u0259 ed\u0259n \u00e7ox az olar. M\u0259n bu deyimd\u0259n yaz\u0131lar\u0131mda d\u0259f\u0259l\u0259rl\u0259 istifad\u0259 etmi\u015f\u0259m. H\u0259tta \u00f6z t\u0259cr\u00fcb\u0259md\u0259 toxun acdan x\u0259b\u0259ri olmad\u0131\u011f\u0131na inanm\u0131\u015fam. Etiraf edir\u0259m: n\u0259 q\u0259d\u0259r ki, g\u0259nc idim, qocalar\u0131n v\u0259ziyy\u0259ti yad\u0131ma d\u00fc\u015fm\u00fcrd\u00fc, onlar\u0131n dolan\u0131\u015f\u0131qlar\u0131n\u0131 nec\u0259 t\u0259min etdikl\u0259ri bar\u0259d\u0259 fikrl\u0259\u015fmirdim. […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[],"class_list":{"0":"post-12022","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-kos"},"yoast_head":"\n