Geleneksel Bankalar ve Katılım Bankaları İçin Panel Veri Analizi: Türkiye Örneği

Faizsiz bankacılık olarak da nitelendirilen Katılım Bankacılığı, 1980’li yıllardan itibaren ülkemizde gelişmeye başlamıştır. İşleyiş açısından değerlendirildiğinde, özellikle faiz hususunda ticari bankacılık sisteminden tümüyle ayrılan katılım bankaları, global finans sistemi içerisinde giderek önem kazanır hâle gelmiştir. Katılım bankalarının faizsizlik ilkesine dayanan söz konusu işleyişleri finansal araçların geliştirilmesinde de etkili olmakta ve katılım bankaları ile geleneksel bankaların bu yönden de ayrışmalarına sebep olmaktadır. Faizsiz bankacılık sisteminin hem global anlamda hem de Türkiye özelinde bankacılık sektörü içerisindeki payının giderek artması, geleneksel bankalar ile katılım bankaları arasındaki performans farklılıklarını merak edilir hâle getirmektedir. Bu durum doğrultusunda çalışmanın amacı, Türkiye nezdinde, bankacılık sistemi içerisinde ki iki önemli aktörün ayrıştıkları noktaları performans göstergelerinden hareketle saptamak ve katılım bankaları ile geleneksel bankalar arasındaki performans belirleyicilerini ortaya koymaktır.

A Panel Data Analysis For Conventional And Participation Banks: An Analysis Based On Turkish Banking Sector

Participation banks in Turkey, named also as interest-free banking, started to develop in mid1980s. Considering how they perform especially in terms of interest–free applications, participation banks fully diverge from their conventional counterparts and started to become more significant in the context of global financial system. Based on profit-loss ground, participation banks completely exclude interest-related applications and take this principle into account in developing all other financial instruments. Incresasing share of participation banking both in Turkish banking system and in global financial system motivate researchers to analyze performance differences between two banking types. In this respect, the aim of this paper to scrutinize the points where two important components of the financial system differs from each other and to reveal performance determinants of conventional and participation banks.

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