FAİZSİZ FİNANSAL ÜRÜNLERİ SATIN ALMA DAVRANIŞININ ÖNCÜLLERİ: GEREKÇELİ EYLEM KURAMINA DAYALI UYGULAMALI BİR ÇALIŞMA

Yıl 2021, Cilt: 21 Sayı: 3, 707 - 731, 30.11.2021

Kayhan Ahmetoğulları

https://doi.org/10.11616/asbi.954678

Öz

Dünya genelinde mevcut finansal sistemin sorunları yeni finansal modellere yöneltmektedir. Alternatif modeller içinde hızlı gelişen ve oldukça güvenilir görülen faizsiz finansal sistem ve araçlarıdır. Bu çalışmanın amacı faizsiz finansal ürünlerin satın alınmasında en önemli etkenlerden olan dinsel motif ve faydacı algıların etkisini ölçmektir. Ayrıca Dindarlığın satın alma davranışı üzerinde etkisinde faydacılığın aracı rolüne odaklanılmaktadır. Buna ek olarak katılım banka müşterilerinin dindarlık ve faydacılık anlayışları arasındaki etkileşim incelenmektedir. Araştırma sonuçlarına göre, katılım banka tüketicilerinin satın alma davranışı üzerinde faydacılık algılarının önemli etkisi görülürken, dindarlığın tek başına etkisi saptanmamıştır. Ayrıca, dindarlığın faydacılık algıları üzerinde önemli etkisi gözlenmektedir. En nihayetinde, satın alma davranışları üzerinde dindarlığın etkisini anlamlı kılan ve tam aracılık rolü üstlenen algılanan faydacılık olduğu gözlenmektedir.

Anahtar Kelimeler

Faizsiz Finans, Dindarlık, Algılanan Faydacılık, Satın Alma Davranışları, Gerekçeli Eylem Kuramı.

PRELIMINARY OF BEHAVIOR TO PURCHASE INTEREST-FREE FINANCIAL PRODUCTS: AN APPLIED STUDY BASED ON REASONABLE ACTION THEORY

Öz

The problems of the current financial system around the world lead to new financial models. It is the rapidly developing and highly reliable interest-free financial system and instruments among alternative models. The aim of this study is to measure the effect of religious motives and utilitarian perceptions, which are the most important factors in the purchase of interest-free financial products. In addition, it focuses on the mediating role of utilitarianism in the effect of religiosity on purchasing behavior. In addition, the interaction between the religiousness and utilitarianism of participation bank customers is examined. According to the results of the research, while utilitarian perceptions have a significant effect on the purchasing behavior of participation bank consumers, the effect of religiosity alone has not been determined. In addition, it is observed that religiosity has a significant effect on utilitarian perceptions. Finally, it is observed that it is perceived utilitarianism that makes the effect of religiosity meaningful on purchasing behaviors and plays a full mediating role.

Anahtar Kelimeler

Perceived Utilitarianism, Purchasing Behaviors, Rational Action Theory., Interest-Free Fınance,, Religiosity

Kaynakça

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