THE RELATIONSHIP BETWEEN THE FINANCIAL PERFORMANCE INDICATORS OF PARTICIPATION BANKS AND MACROECONOMIC FACTORS

Year 2024, Volume: 9 Issue: 4, 355 - 363

Hülya Er

https://doi.org/10.29106/fesa.1531022

Abstract

The change in macroeconomic indicators can affect the financial performance of participation banks. Therefore, participation banks must develop strategies considering the changing economic conditions to maintain, increase, and sustain their assets and profitability in a competitive environment. This study examines the relationship between the financial performance indicators of participation banks operating in Turkey and macroeconomic factors. Quantitative analysis methods, including variance, correlation, and regression analyses, were conducted using data from 2008-2022. The study found no relationship between Gross Domestic Product and the performance indicators of participation banks. However, inflation was observed to impact the Return on Equity, Return on Assets, and Capital Adequacy Ratio. The findings indicate that the financial performance indicators of participation banks in Turkey are associated with inflation. This study aims to understand the impact of macroeconomic conditions on the financial performance of participation banks and to contribute to the strengthening of the banking sector and the growth of the national economy

Keywords

Finance, Islamic Finance, Participation Banking, Financial Performance.

KATILIM BANKALARININ FİNANSAL PERFORMANS GÖSTERGELERİ İLE MAKROEKONOMİK FAKTÖRLER ARASINDAKİ İLİŞKİ

Abstract

Makroekonomik göstergelerdeki değişim, katılım bankalarının finansal performanslarını etkileyebilmektedir. Bu nedenle, katılım bankalarının, rekabet ortamında varlıklarını koruyabilmesi, artırabilmesi ve karlılıklarını sürdürebilmesi için değişen ekonomik koşulları göz önünde bulundurarak stratejiler geliştirebilmeleri önem arz etmektedir. Bu çalışmanın amacı, Türkiye’de faaliyet gösteren katılım bankalarının finansal performans göstergeleri ile makroekonomik faktörler arasındaki ilişkiyi incelemektir. Çalışmada, 2008-2022 yılları arasındaki veriler, nicel analiz yöntemlerinden fark, korelasyon ve regresyon analizleri ile test edilmiştir. Çalışma soncunda, Gayri Safi Yurtiçi Hasıla ile katılım bankalarının performans göstergeleri arasındaki ilişki olmadığı tespit edilmiştir. Enflasyonun Öz Sermaye Karlılık Oranı, Aktif Karlılık Oranı ve Sermaye Yeterlilik Oranı üzerinde etkisi olduğu görülmüştür. Elde edilen bulgular, Türkiye'deki katılım bankalarının finansal performans göstergelerinin enflasyonla ilişkili olduğunu ortaya koymaktadır. Bu çalışma, makroekonomik koşulların katılım bankalarının finansal performansına etkisini anlamayı ve bu anlayışın bankacılık sektörünün güçlenmesine ve ülke ekonomisinin büyümesine katkıda bulunabileceğini hedeflemektedir.

Keywords

Finans, İslami Finans, Katılım Bankacılığı, Finansal Performans.

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