İslami Bankacılık ile Ekonomik Büyüme Arasında Nedensellik İlişkileri(Causality Relations Between Islamic Banking and Economic Growth)

Öz İslami bankacılığın ticari bankalara oranla finansal aracılık işlevlerini daha etkin bir şekilde yerine getirdikleri ve uygulandıkları ülkelerde sürdürülebilir büyümeye önemli katkılar yaptıklarına dair çeşitli bulgular vardır. Bu çalışmada İslami bankaların büyüme ve kalkınma üzerindeki rolleri araştırılmıştır. 2000-2013 döneminde 19 İslam ülkesinde GSYİH ve gayri safi sermaye oluşumu ile İslami bankaların toplam aktifleri, kullandırdıkları fonlar ve topladıkları mevduatlar arasındaki nedensellik panel nedensellik testleriyle analiz edilmiştir. Kullanılan örneklemin kapsamlı yapısı ve yararlanılan analiz yöntemi nedenleriyle bu alanda yapılmış benzer çalışmalardan farklılaşmaktadır. Ulaşılan bulgular, İslami bankalara dair değişkenlerin GSYİH ile doğrudan ve güçlü bir nedensellik ilişkisi içinde olmadığını göstermiştir. Daha çok GSYİH’den toplanan mevduatlara ve kullandırılan fonlara doğru bir nedensellik gözlenmektedir. Diğer yandan İslami banka değişkenlerinden gayri safi sermaye oluşumuna doğru tek yönlü nedensellikler belirlenmiştir. There are various findings which show that in comparison to commercial banking, Islamic banking can more effectively fulfill financial mediatory functions and have important contributions to sustainable growth in countries where Islamic banking is applied. In this article, the roles of Islamic banking in growth and development are examined. The causality relationship between GDP and gross domestic capital formation with the total assets, funds and collected deposits of Islamic banks has been analyzed using panel causality tests for 19 Islamic countries from 2000 to 2013. The comprehensive examples used and the methods used in analyzing these examples differentiate this study from similar studies in this field. The findings from these analysis show that there is no direct and strong causality between variables concerning Islamic banks and GDP. However, it is seems more like a causality from collected deposits to placing the funds. Also, unidirectional causality is seen between islamic banking variables and gross domestic capital formation.

Anahtar Kelimeler:

İslami bankacılık, büyüme, nedensellik, panel nedensellik testleri

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