Türkiye’de Katılım Bankalarının Tercih Edilme Sebepleri: Ampirik Bir Tetkik

Faizsiz/İslami Bankacılık ya da Katılım Bankacılığı dünya finans piyasasındaki payını gün geçtikçe artırmaktadır. Bazı geleneksel bankaların, faizsiz bankacılık işlemleri yapmak üzere kendi bünyelerinde birimler açtıkları görülmektedir. Türkiye dışındaki faizsiz bankaların niçin tercih edildiğini araştıran birçok çalışma yapılmış olmasına rağmen Türkiye’deki katılım bankalarının niçin tercih edildiğine dair yapılan çalışma sayısı yok denecek kadar azdır. Bu çalışmanın hedefi; Türkiye’deki katılım bankalarının niçin tercih edildiğine ilişkin literatüre katkıda bulunmaktır. Bu amaçla; Bolu ilindeki üç ayrı katılım bankasının müşterileri arasından örnek kütle seçilmiştir. 217 kişiden oluşan örnek kütle üzerinde anket tekniği uygulanarak veri toplanmıştır. Elde edilen verilere açıklayıcı faktör analizi uygulanmıştır. Bulgularımıza göre; katılımcıların katılım bankası tercihlerini etkileyen en önemli faktör “hizmet/ürün kalitesi”dir. Bu faktörün ardından, sırasıyla “İmaj ve Güven”, “Personel Kalitesi” ve “Dini/Çevresel motivasyonlar” faktörleri gelmektedir.

Anahtar Kelimeler:

Katılım Bankacılığı, Faizsiz Bankacılık, İslami Bankacılık, Faktör Analizi, Türkiye

Türkiye’de Katılım Bankalarının Tercih Edilme Sebepleri: Ampirik Bir Tetkik

Interest-Free/Islamic Banking or Participatory Banking has been increasing its share in the world financial market. Although many researches about the reasons for preference of interestfree banks abroad Turkey have been conducted so far, the number of the studies related to the reasons for preference of participatory banks in Turkey is comparatively very low. This study is intended to contribute to the literature in question. To this effect; a sample of 217 participants was selected among the customers of three participatory banks in Bolu province in Turkey. The data was collected through conducting a survey. An exploratory factor analysis was run on the data. According to our findings, the principal factor affecting the participants’ preference of participatory banks is “Product/Service Quality”. “Image and Trust”, “Personnel Quality”, “Religious/Environmental Motivations” are the succeeding ones.

Keywords:

Participatory Banking, Interest-Free Banking, Islamic Banking, Factor Analysis, Turkey.,

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