SUSTAINABLE GREEN BANKING AND AN ASSESSMENT FOR TURKEY

Year 2024, Volume: 9 Issue: 3, 250 - 271, 30.09.2024

Cemal Elitaş , Seren Arslan

https://doi.org/10.29106/fesa.1469378

Abstract

In recent years, it is undeniable that environmental problems and social inequalities have increased, global challenges such as climate change have been recognised and the financial sector has played an important role in these problems. As a result of these problems that have begun to be felt on a global scale, investors and consumers attach more importance to environmental and social responsibility, and the need for companies and financial institutions to be more transparent and accountable for sustainability has accelerated the development of this approach. In line with the sustainable green finance goals adopted by banks, they accept a financial approach that is not focused on short-term profit, but also on long-term sustainability and social benefit.
In this study, sustainable green banking, loans used in green banking and internet and mobile banking usage rates in Turkey are analysed. Although the increase in mobile usage rates is remarkable, more co-operation, transparency and international standards need to be established to increase sustainable practices.

Keywords

Sustainability, Sustainable Banking, Green Banking, Green Credit

SÜRDÜRÜLEBİLİR YEŞİL BANKACALIK VE TÜRKİYE AÇISINDAN BİR DEĞERLENDİRME

Abstract

Son yıllarda çevresel sorunların ve sosyal eşitsizliklerin artması, iklim değişikliği gibi küresel zorlukların fark edilmesi ve finans sektörünün bu sorunlarda önemli bir rol oynadığı yadsınamaz bir gerçektir. Küresel boyutta hissedilmeye başlanan bu problemlerin sonucunda yatırımcıların ve tüketicilerin çevresel ve sosyal sorumluluğa daha fazla önem vermesi, şirketlerin ve finans kurumlarının sürdürülebilirlik konusunda daha şeffaf ve hesap verebilir olma ihtiyacı bu yaklaşımın gelişmesini hızlandırmıştır. Bankalar benimsemiş olduğu sürdürülebilir yeşil finans hedefleri doğrultusunda kısa vadeli kar odaklı değil, aynı zamanda uzun vadeli sürdürülebilirlik ve toplumsal fayda odaklı bir finansal yaklaşımı kabul etmektedirler.
Bu çalışmada Türkiye’de sürdürülebilir yeşil bankacılık, yeşil bankacılıkta kullanılan krediler ve internet ve mobil bankacılık kullanım oranları incelenmiştir. Mobil kullanım oranlarındaki artış her ne kadar dikkat çekici olsa da sürdürülebilir uygulamaların artması için daha fazla iş birliği, şeffaflık ve uluslararası standartların oluşturulması gerekmektedir.

Keywords

Sürdürülebilirlik, Sürdürülebilir Bankacılık, Yeşil Bankacılık, Yeşil Kredi.

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