THE COMPETITION BETWEEN PARTICIPATION AND CONVENTIONAL BANKS IN TURKEY: A QUANTITATIVE STUDY

Year 2023, , 440 - 466, 30.11.2023

Ali Rıza Solmaz , Özgür Bayram Soylu

https://doi.org/10.53092/duiibfd.1214359

Abstract

Participation banks, which carry out transactions based on an interest-free banking model, form fund pools through current and participation accounts. These funds are made available to the economic decision units that need financing or tend to save by using a profit share approach. The interest-free finance system, which is a risk-sharing model, has a significant function in minimizing possible instability. The essential motivation of this study is to measure the level of competition between participation banks and conventional banks in the presence of households. For this purpose, quantitative research was carried out with the participation of 1145 people in the NUTS-2 region of the Turkey Statistical Regional Units Classification, with an error margin of ± 2.90% and a 95% confidence interval . The results of the research indicate that the savings preferences of the households are in favor of traditional instruments, the search for an interest-free investment tool continues, the interest sensitivity of the households in terms of financial external dependency, and the brand awareness of participation banks is low. It has been determined that the low level of awareness of participation banks is a significant disadvantage in competition with conventional banks.

Keywords

Participation Bank, Conventional Bank, Quantitative Analysis

TÜRKİYE’DE KATILIM BANKALARI VE KONVANSİYONEL BANKALAR ARASINDAKİ REKABET ÜZERİNE NİCEL ARAŞTRMA

Abstract

Faizsiz bankacılık modeline göre işlem yapan katılım bankaları, cari ve katılma hesapları aracılığıyla fon havuzları oluşturmaktadır. Bu fonlar, finansmana ihtiyaç duyan veya tasarruf etme eğiliminde olan ekonomik karar birimlerinin kullanımına kâr payı yaklaşımı ile sunulmaktadır. Bir risk paylaşım modeli olan faizsiz finans sistemi, olası istikrarsızlıkların en aza indirilmesinde önemli bir işleve sahiptir. Bu çalışmanın temel motivasyonu, katılım bankaları ile konvansiyonel bankalar arasındaki rekabet düzeyini hanehalklarının varlığında ölçmektir. Bu amaçla, Türkiye İstatistiki Bölge Birimleri Sınıflandırmasının İBBS-2 bölgesinde yer alan 1145 kişinin katılımıyla ± %2,90 hata payı ve %95 güven aralığı ile nicel araştırma gerçekleştirilmiştir . Araştırma sonuçları, hanehalklarının tasarruf tercihlerinin geleneksel araçlardan yana olduğunu, faizsiz yatırım aracı arayışlarının devam ettiğini, hanehalklarının finansal dışa bağımlılık açısından faiz duyarlılığının ve katılım konusunda marka bilinirliğinin düşük olduğunu göstermektedir. Katılım bankalarının bilinç düzeyinin düşük olmasının konvansiyonel bankalarla rekabette önemli bir dezavantaj olduğu tespit edilmiştir.

Keywords

Katılım Bankası, Geleneksel Banka, Nicel Analiz

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