Tedarikçi Finansmanının İslam Hukuku Perspektifinden Değerlendirilmesi: Sorunlar ve Çözümler
An Evaluation of Supplier Financing from the Perspective of Islamic Law: Problems and Solutions

Summary/Abstract: Since the Industrial Revolution, economic development has aimed to provide quick, cost-effective access to goods. As globalization grew and advances in transportation, along with improvements in communication infrastructure, became more advanced, businesses began to seek international trade. Thus, this highlighted the need for well-managed supply chains. A supply chain includes all material, information, and financial flows from suppliers to consumers. The complexity of these global operations emphasized the need for effective financial tools. After the 2008 financial crisis, traditional financing methods like factoring and forfaiting fell short, especially for small and medium-sized enterprises (SMEs). This shortfall led to the search for alternative solutions. In Türkiye, a new financing model called supplier financing emerged. It was first introduced by conventional financial institutions and began operating within the interest-free finance system in 2020. Despite its growing popularity, this new financial instrument has not been studied much, particularly in economic and legal literature. Additionally, there’s a significant lack of research on it from an Islamic legal perspective. This study aims to address this gap. It will provide a detailed analysis of the supplier financing method used by participation banks in Türkiye, exploring its nature and evaluating it within the framework of Islamic law. By examining official bank documents, the study will look at the rights and responsibilities of the involved parties, the legal status of their relationships, and the relevant legal rulings. This will help create a better understanding of this emerging financial instrument.

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