Research Article
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Katılım Bankalarının Performansını Etkileyen Faktörler: Küresel Kriz Bağlamında Bir Dinamik Panel Veri Analizi

Year 2020, Volume: 11 Issue: 21, 148 - 167, 31.05.2020

Hasan Önder Sarıdoğan

https://izlik.org/JA22DK62PW

Abstract

Küresel mali kriz, dünya genelinde birçok bankanın finansal performansı üzerinde önemli bir etki yaratmış ve İslami (Katılım) bankacılık sistemine olan ilgiyi artırmıştır. Katılım bankacılığı sistemi, İslami ilkelere dayanan bazı yasaklara ve kısıtlamalara tabidir. Katılım bankası, faizli borçlanma ve borç verme dışında, halihazırda bilinen tüm bankacılık faaliyetlerini sağlayan mevduat toplama kuruluşudur. Katılım bankacılığı, Türk finans endüstrisinin en hızlı büyüyen sektörlerinden birisidir. Bu çalışmanın amacı, 2005-2018 döneminde banka içi-mikro faktörlerin, banka dışı-makro faktörlerin ve küresel finansal krizin, Türkiye'deki katılım bankalarının karlılığı üzerindeki etkisini araştırmaktır. Analizler, Türkiye'deki katılım bankalarının kârlılığının net kâr payı geliri, toplam mevduat, GSYİH büyümesi ile pozitif; sorunlu krediler, toplam krediler ve enflasyon oranı ile negatif yönde etkilendiği sonucunu vermiştir. Ayrıca, çalışmanın sonuçları, katılım bankalarının kârlılığının küresel krizden etkilendiğini göstermektedir.

Keywords

Katılım Bankacılığı Finansal Kriz GMM

References

  • Ahmed, H. (2009). Financial Crisis: Risks and Lessons for Islamic Finance, ISRA International Journal of Islamic Finance, 1(1), 7-32.
  • Ahmed, A. (2010). Global Financial Crisis: An Islamic Finance Perspective, International Journal of Islamic and Middle Eastern Finance and Management, 3(4), 306-320.
  • Aktaş, M. (2013). Stability of the Participation Banking Sector Against the Economic Crisis in Turkey, International Journal of Economics and Financial Issues, 3(1), 180-190.
  • Alkassim A. F. (2005). The Profitability of Islamic and Conventional Banking in the GCC Countries: A Comparative Study, University of Wales Bangor, United Kingdom.
  • Almanaseer, M. (2014). The Impact of the Financial Crisis on the Islamic Banks Profitability - Evidence from GCC, International Journal of Financial Research, 5(3), 176-187.
  • Alshammari T. (2017). Performance Differences Between Islamic and Conventional Banking Forms, Banks and Bank Systems, 12(3), 237-246.
  • Al-Tamimi, H. A. H. (2010). Factors Influencing Performance of the UAE Islamic and Conventional National Banks, Global Journal of Business Research, 4(2), 1-9.
  • Alqahtani F. ve David G. M. (2018). Financial Stability of Islamic Banking and the Global Financial Crisis: Evidence from the Gulf Cooperation Council, Economic Systems, 42(2), 346-360.
  • Amba M. S. ve Almukharreq F. (2013). Impact of the Financial Crisis on Profitability of the Islamic Banks vs Conventional Banks- Evidence from GCC, International Journal of Financial Research, 4(3), 83-93.
  • Andrews, E. L. Greenspan Concedes Error on Regulation, [Çevrim-içi: https://www.nytimes.com/2008/10/24/business/economy/24panel.html], Erişim Tarihi: 21.12.2019.
  • Arellano M. ve Bond S. (1991). Some Tests of Specification for Panel Data: Monte Carlo Evidence and an Application to Employment Equations, The Review of Economic Studies, 58(2), 277-297.
  • Bapat, D. (2018). Profitability Drivers for Indian Banks: A Dynamic Panel Data Analysis, Eurasian Business Review, Springer;Eurasia Business and Economics Society, 8(4), 437-451.
  • Bashir, A. M. (2003). Determinants of Profitability in Islamic Banks: Some Evidence from the Middle East, Islamic Economic Studies, 11(1), 31-57.
  • Beck T., Demırguc-Kunt A. ve Merrouche O. (2013). Islamic vs. Conventional Banking: Business Model, Efficiency and Stability, Journal of Banking & Finance, 37(201), 433-447.
  • Chapra, M. U. (2008). The Global Financial Crisis: Can Islamic Finance Help Minimize the Severity and Frequency of Such A Crisis in The Future? Global Financial Crisis Forum, 1-26.
  • Chazi A. ve Syed, L. A. M. (2010). Risk Exposure During the Global Financial Crisis: The Case of Islamic Banks, International Journal of Islamic and Middle Eastern Finance and Management, 3(4), 321-333.
  • Crotty, J. (2009). Structural Causes of the Global Financial Crisis: A Critical Assessment of the New Financial Architecture, Cambridge Journal of Economics, 33(4), 563–580.
  • Claessens S. ve Van Horen, N. (2014). The Impact of the Global Financial Crisis on Banking Globalization, IMF Working Paper, WP/14/197.
  • Diaw, A. (2015). The Global Financial Crisis and Islamic Finance: A Review of Selected Literature, Journal of Islamic Accounting and Business Research, 6(1), 94-106.
  • Erfani, G. R. ve Vasigh B. (2018). The Impact of the Global Financial Crisis on Profitability of the Banking Industry: A Comparative Analysis, Economies, 6(66), 1-13.
  • FCIC (2011). The Financial Crisis Inquiry Commission, [Çevrim-içi: http://fcic.law.stanford.edu/report/conclusions], Erişim Tarihi: 19.12.2019
  • Flamini V., McDonald C. ve Schumacher L. (2009). The Determinants of Commercial Bank Profitability in Sub-Saharan Africa, IMF Working paper, WP/09/15.
  • Gökalp, F. (2014). Kriz Öncesi ve Kriz Sonrası Dönemler İtibariyle Katılım Bankaları ve Ticari Bankaların Karlılığı Üzerine Karşılaştırmalı Bir Araştırma, Selçuk Üniversitesi Sosyal Bilimler Enstitüsü Dergisi, 32(2014), 191-201.
  • Görmüş, Ş. ve Yabanlı A. (2019). Katılım Bankacılığı Ekosisteminin Gelişimi, Editörler: Şakir Görmüş, R. Ahmet Albayrak, Aydın Yabanlı, Yaşayan ve Gelişen Katılım Bankacılığı, (ss. 100-135), TKBB Yayınları Yayın No:12.
  • Halitoğlu İ., Halaçoğlu B. ve Akkaya Ü. (2019). Katılım Bankacılığında Mevzuat, Denetleme ve Hukuki Altyapı”, Yaşayan ve Gelişen Katılım Bankacılığı Editörler: Şakir Görmüş, R. Ahmet Albayrak, Aydın Yabanlı, Yaşayan ve Gelişen Katılım Bankacılığı, (ss. 188-217), TKBB Yayınları Yayın No:12.
  • Hansen, P. L. (1982). Large Sample Properties of Generalized Method of Moments Estimators, Econometrica, Journal of the Econometric Society, 50(4), 1029-1054.
  • Hasan M., ve Dridi J. (2010). The Effects of the Global Crisis on Islamic and Conventional Banks: A Comparative Study, IMF Working Paper WP/10/201, 1-46.
  • Hidayat S. E. ve Abduh M. (2012). Does Financial Crisis Give Impacts on Bahrain Islamic Banking Performance? A Panel Regression Analysis, International Journal of Economics and Finance, 4(7), 79-87.
  • Javaid S., Anwar J., Zaman K. ve Gafoor A. (2011). Determinants of Bank Profitability in Pakistan: Internal Factor Analysis, Mediterranean Journal Of Social Sciences, 2(1), 59-78.
  • Igan D., Moussawı H., Tıeman A. F., Zdzıenıcka A., Dell’arıccıa G. ve Mauro P. (2019). The Long Shadow of the Global Financial Crisis: Public Interventions in the Financial Sector, IMF Working Paper, WP/19/164.
  • Karakuş R., Küçük Ş.Y. (2016). Katılım Bankalarında Kârlılığın Belirleyicileri: Türkiye Örneği için Bir Panel Veri Analizi, Niğde Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 9(2), 119-132.
  • Kayed, R. N., Hassan, K. M. (2011). The Global Financial Crisis and Islamic Finance, Thunderbird International Business Review, 53(5), 551-564.
  • Kendirli Ç. H., Kendirli S. ve Aydın Y. (2019). Küresel Kriz Çerçevesinde Katılım Bankalarının ve Ticari Bankaların Mali Performanslarının TOPSİS Yöntemiyle Analizi, İktisadi ve İdari Bilimler Dergisi, 33(1), 137-154.
  • Krugman, P. (2009), How Did Economists Get It So Wrong? [Çevrim-içi: https://www.nytimes.com/2009/09/06/magazine/06Economic-t.html], Erişim Tarihi: 21.12.2019.
  • Mongid A. (2016). Global Financial Crisis (GFC) and Islamic Banks Profitability: Evidence From MENA Countries, Journal of Emerging Economies and Islamic Research, 4(1), 1-16.
  • Öztürk, F. (25.10.2008). Katılım Bankacılığı ve Global Kriz, [Çevrim-içi: http://www.tkbb.org.tr/duzenlemeler-detay/fevzi-ozturk---katilim-bankaciligi-ve-global-kriz---25102008---yeni-safak], Erişim Tarihi: 21.12.2019.
  • Rosman R., Wahab N. A. ve Zainol, Z. (2014). Efficiency of Islamic Banks During the Financial Crisis: An Analysis of Middle Eastern and Asian Countries, Pacific-Basin Finance Journal, 28(2014), 76–90.
  • Samad, A. ve Hassan, M. K. (1999). The Performance of Malaysian Islamic Bank During 1984-1997: An Exploratory Study, International Journal of Islamic Financial Services, 1(3), 1-14.
  • Samad, A. (2004). Performance of Interest-free Islamic banks vis-à-vis Interest-based Conventional Banks of Bahrain, International Journal of Economics, Management and Accounting, 12(2), 1-15.
  • Siddiqi M. N. (2009). Current Financial Crisis and Islamic Economics, Insights, 01(3), 141-150.
  • Sufian F. ve Habibullah M. S. (2010). Assessing the Impact of Financial Crisis on Bank Performance, Empirical Evidence from Indonesia, ASEAN Economic Bulletin, 27(3), 245-262.
  • Tatoğlu Y. F. (2018), İleri Panel Veri Analizi Stata Uygulamalı, İstanbul.
  • TKBB, Dünyada ve Türkiye’de Faizsiz Bankacılık, 2005.
  • TBB, İstatistiki Raporlar Üç Aylık Bankacılık Sektörü Bilgileri, Haziran 2014.
  • Tlemsani I. ve Alsuwaidi H. A. (2016). Comparative Analysis of Islamic and Conventional Banks in the UAE During The Financial Crisis, Asian Economic and Financial Review, 6(6), 298-309.
  • Toraman C., Ata H. A. ve Buğan M. F. (2015). Mevduat ve Katılım Bankalarının Karşılaştırmalı Performans Analizi, C.Ü. İktisadi ve İdari Bilimler Dergisi, 16(2), 301-310.
  • Wasiuzzaman S. ve Tarmizi H.A. Bt A. T. (2010). Profitability of Islamic Banks in Malaysia: An Empirical Analysis, Journal of Islamic Economics, Banking and Finance, 6(4), 53-68.

Year 2020, Volume: 11 Issue: 21, 148 - 167, 31.05.2020

Hasan Önder Sarıdoğan

https://izlik.org/JA22DK62PW

Abstract

References

  • Ahmed, H. (2009). Financial Crisis: Risks and Lessons for Islamic Finance, ISRA International Journal of Islamic Finance, 1(1), 7-32.
  • Ahmed, A. (2010). Global Financial Crisis: An Islamic Finance Perspective, International Journal of Islamic and Middle Eastern Finance and Management, 3(4), 306-320.
  • Aktaş, M. (2013). Stability of the Participation Banking Sector Against the Economic Crisis in Turkey, International Journal of Economics and Financial Issues, 3(1), 180-190.
  • Alkassim A. F. (2005). The Profitability of Islamic and Conventional Banking in the GCC Countries: A Comparative Study, University of Wales Bangor, United Kingdom.
  • Almanaseer, M. (2014). The Impact of the Financial Crisis on the Islamic Banks Profitability - Evidence from GCC, International Journal of Financial Research, 5(3), 176-187.
  • Alshammari T. (2017). Performance Differences Between Islamic and Conventional Banking Forms, Banks and Bank Systems, 12(3), 237-246.
  • Al-Tamimi, H. A. H. (2010). Factors Influencing Performance of the UAE Islamic and Conventional National Banks, Global Journal of Business Research, 4(2), 1-9.
  • Alqahtani F. ve David G. M. (2018). Financial Stability of Islamic Banking and the Global Financial Crisis: Evidence from the Gulf Cooperation Council, Economic Systems, 42(2), 346-360.
  • Amba M. S. ve Almukharreq F. (2013). Impact of the Financial Crisis on Profitability of the Islamic Banks vs Conventional Banks- Evidence from GCC, International Journal of Financial Research, 4(3), 83-93.
  • Andrews, E. L. Greenspan Concedes Error on Regulation, [Çevrim-içi: https://www.nytimes.com/2008/10/24/business/economy/24panel.html], Erişim Tarihi: 21.12.2019.
  • Arellano M. ve Bond S. (1991). Some Tests of Specification for Panel Data: Monte Carlo Evidence and an Application to Employment Equations, The Review of Economic Studies, 58(2), 277-297.
  • Bapat, D. (2018). Profitability Drivers for Indian Banks: A Dynamic Panel Data Analysis, Eurasian Business Review, Springer;Eurasia Business and Economics Society, 8(4), 437-451.
  • Bashir, A. M. (2003). Determinants of Profitability in Islamic Banks: Some Evidence from the Middle East, Islamic Economic Studies, 11(1), 31-57.
  • Beck T., Demırguc-Kunt A. ve Merrouche O. (2013). Islamic vs. Conventional Banking: Business Model, Efficiency and Stability, Journal of Banking & Finance, 37(201), 433-447.
  • Chapra, M. U. (2008). The Global Financial Crisis: Can Islamic Finance Help Minimize the Severity and Frequency of Such A Crisis in The Future? Global Financial Crisis Forum, 1-26.
  • Chazi A. ve Syed, L. A. M. (2010). Risk Exposure During the Global Financial Crisis: The Case of Islamic Banks, International Journal of Islamic and Middle Eastern Finance and Management, 3(4), 321-333.
  • Crotty, J. (2009). Structural Causes of the Global Financial Crisis: A Critical Assessment of the New Financial Architecture, Cambridge Journal of Economics, 33(4), 563–580.
  • Claessens S. ve Van Horen, N. (2014). The Impact of the Global Financial Crisis on Banking Globalization, IMF Working Paper, WP/14/197.
  • Diaw, A. (2015). The Global Financial Crisis and Islamic Finance: A Review of Selected Literature, Journal of Islamic Accounting and Business Research, 6(1), 94-106.
  • Erfani, G. R. ve Vasigh B. (2018). The Impact of the Global Financial Crisis on Profitability of the Banking Industry: A Comparative Analysis, Economies, 6(66), 1-13.
  • FCIC (2011). The Financial Crisis Inquiry Commission, [Çevrim-içi: http://fcic.law.stanford.edu/report/conclusions], Erişim Tarihi: 19.12.2019
  • Flamini V., McDonald C. ve Schumacher L. (2009). The Determinants of Commercial Bank Profitability in Sub-Saharan Africa, IMF Working paper, WP/09/15.
  • Gökalp, F. (2014). Kriz Öncesi ve Kriz Sonrası Dönemler İtibariyle Katılım Bankaları ve Ticari Bankaların Karlılığı Üzerine Karşılaştırmalı Bir Araştırma, Selçuk Üniversitesi Sosyal Bilimler Enstitüsü Dergisi, 32(2014), 191-201.
  • Görmüş, Ş. ve Yabanlı A. (2019). Katılım Bankacılığı Ekosisteminin Gelişimi, Editörler: Şakir Görmüş, R. Ahmet Albayrak, Aydın Yabanlı, Yaşayan ve Gelişen Katılım Bankacılığı, (ss. 100-135), TKBB Yayınları Yayın No:12.
  • Halitoğlu İ., Halaçoğlu B. ve Akkaya Ü. (2019). Katılım Bankacılığında Mevzuat, Denetleme ve Hukuki Altyapı”, Yaşayan ve Gelişen Katılım Bankacılığı Editörler: Şakir Görmüş, R. Ahmet Albayrak, Aydın Yabanlı, Yaşayan ve Gelişen Katılım Bankacılığı, (ss. 188-217), TKBB Yayınları Yayın No:12.
  • Hansen, P. L. (1982). Large Sample Properties of Generalized Method of Moments Estimators, Econometrica, Journal of the Econometric Society, 50(4), 1029-1054.
  • Hasan M., ve Dridi J. (2010). The Effects of the Global Crisis on Islamic and Conventional Banks: A Comparative Study, IMF Working Paper WP/10/201, 1-46.
  • Hidayat S. E. ve Abduh M. (2012). Does Financial Crisis Give Impacts on Bahrain Islamic Banking Performance? A Panel Regression Analysis, International Journal of Economics and Finance, 4(7), 79-87.
  • Javaid S., Anwar J., Zaman K. ve Gafoor A. (2011). Determinants of Bank Profitability in Pakistan: Internal Factor Analysis, Mediterranean Journal Of Social Sciences, 2(1), 59-78.
  • Igan D., Moussawı H., Tıeman A. F., Zdzıenıcka A., Dell’arıccıa G. ve Mauro P. (2019). The Long Shadow of the Global Financial Crisis: Public Interventions in the Financial Sector, IMF Working Paper, WP/19/164.
  • Karakuş R., Küçük Ş.Y. (2016). Katılım Bankalarında Kârlılığın Belirleyicileri: Türkiye Örneği için Bir Panel Veri Analizi, Niğde Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, 9(2), 119-132.
  • Kayed, R. N., Hassan, K. M. (2011). The Global Financial Crisis and Islamic Finance, Thunderbird International Business Review, 53(5), 551-564.
  • Kendirli Ç. H., Kendirli S. ve Aydın Y. (2019). Küresel Kriz Çerçevesinde Katılım Bankalarının ve Ticari Bankaların Mali Performanslarının TOPSİS Yöntemiyle Analizi, İktisadi ve İdari Bilimler Dergisi, 33(1), 137-154.
  • Krugman, P. (2009), How Did Economists Get It So Wrong? [Çevrim-içi: https://www.nytimes.com/2009/09/06/magazine/06Economic-t.html], Erişim Tarihi: 21.12.2019.
  • Mongid A. (2016). Global Financial Crisis (GFC) and Islamic Banks Profitability: Evidence From MENA Countries, Journal of Emerging Economies and Islamic Research, 4(1), 1-16.
  • Öztürk, F. (25.10.2008). Katılım Bankacılığı ve Global Kriz, [Çevrim-içi: http://www.tkbb.org.tr/duzenlemeler-detay/fevzi-ozturk---katilim-bankaciligi-ve-global-kriz---25102008---yeni-safak], Erişim Tarihi: 21.12.2019.
  • Rosman R., Wahab N. A. ve Zainol, Z. (2014). Efficiency of Islamic Banks During the Financial Crisis: An Analysis of Middle Eastern and Asian Countries, Pacific-Basin Finance Journal, 28(2014), 76–90.
  • Samad, A. ve Hassan, M. K. (1999). The Performance of Malaysian Islamic Bank During 1984-1997: An Exploratory Study, International Journal of Islamic Financial Services, 1(3), 1-14.
  • Samad, A. (2004). Performance of Interest-free Islamic banks vis-à-vis Interest-based Conventional Banks of Bahrain, International Journal of Economics, Management and Accounting, 12(2), 1-15.
  • Siddiqi M. N. (2009). Current Financial Crisis and Islamic Economics, Insights, 01(3), 141-150.
  • Sufian F. ve Habibullah M. S. (2010). Assessing the Impact of Financial Crisis on Bank Performance, Empirical Evidence from Indonesia, ASEAN Economic Bulletin, 27(3), 245-262.
  • Tatoğlu Y. F. (2018), İleri Panel Veri Analizi Stata Uygulamalı, İstanbul.
  • TKBB, Dünyada ve Türkiye’de Faizsiz Bankacılık, 2005.
  • TBB, İstatistiki Raporlar Üç Aylık Bankacılık Sektörü Bilgileri, Haziran 2014.
  • Tlemsani I. ve Alsuwaidi H. A. (2016). Comparative Analysis of Islamic and Conventional Banks in the UAE During The Financial Crisis, Asian Economic and Financial Review, 6(6), 298-309.
  • Toraman C., Ata H. A. ve Buğan M. F. (2015). Mevduat ve Katılım Bankalarının Karşılaştırmalı Performans Analizi, C.Ü. İktisadi ve İdari Bilimler Dergisi, 16(2), 301-310.
  • Wasiuzzaman S. ve Tarmizi H.A. Bt A. T. (2010). Profitability of Islamic Banks in Malaysia: An Empirical Analysis, Journal of Islamic Economics, Banking and Finance, 6(4), 53-68.
There are 47 citations in total.

Details

Primary Language Turkish
Subjects Economics
Journal Section Research Article
Authors

Hasan Önder Sarıdoğan 0000-0002-6463-4681

Submission Date April 4, 2020
Acceptance Date April 30, 2020
Publication Date May 31, 2020
IZ https://izlik.org/JA22DK62PW
Published in Issue Year 2020 Volume: 11 Issue: 21

Cite

APA Sarıdoğan, H. Ö. (2020). Katılım Bankalarının Performansını Etkileyen Faktörler: Küresel Kriz Bağlamında Bir Dinamik Panel Veri Analizi. Bartın Üniversitesi İktisadi Ve İdari Bilimler Fakültesi Dergisi, 11(21), 148-167. https://izlik.org/JA22DK62PW

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