General Risk Perception and Financial Risk Tolerance of Participation and Conventional Bank Customers

Year 2022, Volume: 18 Issue: 2, 82 - 95, 30.12.2022

Salih Ülev , Hüseyin Burgazoğlu , Mervan Selçuk

Abstract

This study examines the nature of conventional and participation bank customers’ financial risk tolerances and risk perceptions in Turkey. For this purpose, the effect of demographic variables on general risk perception and financial risk tolerance were analyzed by using gender, age, education level, and marital status for both types of bank customers. Microdata of the study was obtained from 1718 participants of Turkey Household Financial Perception and Attitude Survey conducted in 2019. It was determined that general risk perception and financial risk tolerance of customers who have term deposit accounts at conventional banks or participation accounts at participation banks differs according to all demographic variables except gender. In addition, it was seen that the effect of demographic variables on risk is similar for both kinds of bank customers.

Keywords

Risk, Financial Risk Tolerance, Participation Bank, Conventional Bank

Katılım Bankası ve Konvansiyonel Banka Müşterilerinin Genel Risk Algısı ve Finansal Risk Toleransı

Abstract

Bu çalışmanın amacı Türkiye’deki konvansiyonel banka müşterileri ile katılım bankası müşterilerinin finansal risk toleranslarının ve genel risk algılarının yapısını incelemektir. Bu amaçla her iki tür banka müşterilerinin cinsiyet, yaş, eğitim düzeyi ve medeni durum bilgileri kullanılarak demografik değişkenlerin risk algısı ve finansal risk toleransı üzerindeki etkisi incelenmiştir. Çalışmanın verileri 2019 yılında gerçekleştirilen Türkiye Hanehalkı Finansal Algı ve Tutum Araştırmasına katılan 1718 katılımcıdan elde edilmiştir. Vadeli mevduat hesabı ya da kâr payı hesabı olan müşterilerin genel risk algısının ve finansal risk toleransının cinsiyet hariç incelenen tüm demografik değişkenlere göre farklılaştığı tespit edilmiştir. Ayrıca demografik değişkenlerin risk üzerindeki var olan etkisinin her iki banka müşterileri için benzer şekilde gerçekleştiği görülmüştür.

Keywords

Risk, Finansal Risk Toleransı, Katılım Bankası, Konvansiyonel Banka

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