Research Article
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Year 2020, Volume: 6 Issue: 2, 184 - 216, 25.12.2020

Eren İşgör Halim Tatlı

https://doi.org/10.46849/guiibd.767088

Abstract

The main purpose of the study is to identify behavioral factors affecting the selection of bank investors' participation accounts. Data of the study is acquired from face to face survey method from 400 investors of participation banks in TRB1 region. In this study, three scales were used: scale of participation accounts attitude, scale of piety, and scale of subjective norms. With scale of participation accounts attitude, scale of piety, and scale of subjective norms, the relation between banks executing of product or service that are violating religious rules of Islam, bringing income that is competitive, and conditions of withdrawal in case of a banking crisis in a near future is analyzed by Mann Whitney U test. According to the results of the analysis, a meaningful relation has been found out between executing of product or service that are violating religious rules of Islam and scale of piety. Meaningful relation has been detected between conditions of withdrawal in case of a banking crisis in a near future and only subjective norms. Finally, a meaningful relation has been found out between participation banks bringing income that is competitive and scale of attitude and scale of piety. Furthermore, a model has been established discussing scale of attitude as dependent variable and scale of subjective norms, scale of piety, age, number of people that is obliged to take care, average salary and physical fund as independent variable. This model has been analyzed by multiple regression. According to the results of the analysis that has been made, it was detected that scale of piety and scale of participation accounts subjective norms are meaningfully affecting the scale of participation accounts attitude. However, no relation was found between age, number of people that is obliged to take care, average salary, and physical fund and the scale of participation accounts attitude.

Keywords

Participation accounts Consumer behavior Participation banking Bank investor Islamic banking TRB1 Location

References

  • Abduh, M. ve Omar, A.M. (2012), “Islamic-Bank selection criteria in Malaysia: An AHP approach”, Business Intelligence Journal, 5(2), 271-281.
  • Abdullah, S.N., Hassan, S.H.ve Asron, T.A. (2016), “Switching intention of Muslim depositors in Islamic deposit account”, International Journal of Economics, Management and Accounting, 24(1), 83-106.
  • Ajzen, I. (1985). From intentions to actions: A theory of planned behavior, in action control: From cognition to behavior, J. Kuhl and J. Beckman (eds.), Heidelberg, Germany: Springer, 11–39.
  • Al-Ajmi, J., Hussain, H.A. ve Al-Saleh, N. (2009), “Clients of conventional and Islamic banks in Bahrain: How they choose which bank to patronize”, International Journal of Social Economics, 36(11), 1086-1112.
  • Alam, S.S., Janor, H., Zanariah, W.C., Che, A. ve Ahsan M.N. (2012),“Religiosity an important factor in influencing the intention to undertake Islamic home financing in Klang Valley”. World Applied Sciences Journal, 19(7), 1030-1041.
  • Aras, O.N. ve Öztürk, M. (2011). “Reel ekonomiye katkıları bakımından katılım bankalarının kullandırdığı fonların analizi”, Ekonomi Bilimleri Dergisi, 3(2), 167–169.
  • Babuşçu, Ş. ve Hazar, A. (2017),“Genel bankacılık bilgileri”, Bankacılık Akademisi Yayınları, Ankara.
  • Bansal, H.S., ve S.F. Taylor. (1999),“The service provider switching model (SPSM): A model of consumer switching behaviour in the services industry”, Journal of Service Research 2(2), 200-218.
  • Bayındır, A. (2016), Ticaret ve Faiz, Süleymaniye Vakfı Yayınları, İstanbul.
  • Desbarats, J. (1983), “Spatial choice and constraints on behavior”, Annals of the Association of American Geographers, 73(3), 340-357.
  • Durak, İ., Bayat, M. ve Arslan, H.M. (2017), “Banka seçiminde müşteri tercihleri: katilim bankaları üzerine ampirik bir inceleme”, The Journal of Social Science, 1(2), 60-70.
  • Dusuki, A.W.veAbdullah, N.I. (2007),“Why do Malaysian Customers Patronise Islamic Banks”, International Journal of Bank Marketing, 25(3), 142-160.
  • Erol, C. ve El-Bdour, R. (1989),“Attitudes, behaviour, and patronage factors of bank customers towards Islamic banks”, International Journal of Bank Marketing, 7(6), 31-37.
  • Gerrard, P.ve Cunningham, J.B. (1997),“Islamic Banking: A Study in Singapore”, International Journal of Bank Marketing, 15(6), 204-216.
  • Gül, A.R. (2004),“Borç Ayetlerinin Aktüel Değeri Faizsiz Bankacılıkta Mevduat ve Fonların Statüsü Meselesine Kur’an Işığında Bir Yaklaşım”, Avrasya Yayınları, 1. Baskı, Ankara.
  • Haron, S., Norafifah, A. ve Planisek, S.L. (1994),“Bank patronage factors of Muslim and Non-Muslim customers”, International Journal of Bank Marketing, 12(1), 32-40.
  • Karakaya, A. ve Karamustafa, O. (2004),“Bankalarda teknoloji yoğun finansal ürünlerin kullanılmasında müşteri özelliklerinin rolü”, Active Bankacılık ve Finans Dergisi, 38, 1-6.
  • Kaynak, E. (1986),“How to Measure Your Bank’s Personality: Some Insights from Canada”, International Journal of Bank Marketing, 4(3), 54-68.
  • Lee, K. ve Ullah, S. (2011), “Customers'attitude toward İslâmic banking in Pakistan”, International Journal of Islâmic and Middle Eastern Finance and Management, 4(2), 131-145.
  • Lim, H. ve Dubinsky, A.J. (2005), “The theory of planned behavior in e-commerce: making a case for interdependencies between salient beliefs”, Psychology ve Marketing, 22(10), 833-855.
  • Marimuthu, M., Jing Chan, W., Gie, Lim P.P., Mun, L.P. ve Ping, T.Y.(2010), “Islamic Banking: Selection Criteria and Implications”, Global Journal of Human Social Science, 10(4:1), 52-62.
  • Metawa, S.A. ve Almossawi, M. (1998), “Banking Behaviour of Islamic Bank Customers: Perspectives and Implications”, International Journal of Bank Marketing, 16(7), 299-313.
  • Metwally, M. (1996), “Attitudes of Muslims towards Islamic Banks in a Dual-banking System”, American Journal of Islamic Finance, 6(1), 11-17.
  • Naser, K., Jamal, A. ve Al-Khatib, K. (1999), “Islamic banking: a study of customer satisfaction and preferences in Jordan”, International Journal of Bank Marketing, 17(3), 135-150.
  • Okumuş, H.Ş. (2005), “Interest Free Banking in Turkey: A study of customer satisfaction and selection criteria”, Journal of Economic Cooperation, 26(4),51-58.
  • Omer, H.S. (1992), The implication of Islamic beliefs and practice on Islamic financial institutions in the UK: Profit-Sharing and Risk. Edward Elgar, Cheltenham:PhD dissertation, Loughborough University, Loughborough.
  • Nadirov, O. (2018), Katılım (İslami) Bankaları ve Ticari Bankalarda Müşteri Tercihleri: Türkiye Üzerine Bir Araştırma, Hacettepe Üniversitesi, Sosyal Bilimler Enstitüsü, Yüksek Lisans Tezi, Ankara.
  • Özdamar, K. (2002), “Paket Programlar ile İstatistiksel Veri Analizi”, Eskişehir: Kaan Kitabevi.
  • Soma Abdul M., Primiana, I., Wiryono, S.K.ve Febrian, E. (2017), “Religiosity and Islamic banking product decision: Survey on employees of PT Telekomunikasi Indonesia”, Etikonomi, 16(1), 25-42.
  • Tatlı, H., Varol, A. ve Alakuştekin, A. (2017), “Katılım bankacılık hizmetlerinde tüketici tercihlerini etkileyen faktörler: Bingöl’de bir uygulama”, Sosyal ve Beşeri Bilimler Dergisi, 9(2), 65-80.
  • Viveritave Mohame, A. (2011),“Efficiency measurement and determinants of Indonesian bank efficiency, Paper to Academy of Financial Services, University of Indonesia and Bond University Australia”, https://academyfinancial.org/resources/Documents/Proceedings/2011/F1-Viverita-Ariff.pdf (12.02.2020).

BANKA YATIRIMCILARININ KATILMA HESAPLARI SEÇİMİNİ ETKİLEYEN DAVRANIŞSAL FAKTÖRLER: TRB1 BÖLGESİ ÖRNEĞİ

Year 2020, Volume: 6 Issue: 2, 184 - 216, 25.12.2020

Eren İşgör Halim Tatlı

https://doi.org/10.46849/guiibd.767088

Abstract

Çalışmanın temel amacı banka yatırımcılarının katılma hesaplarının seçimini etkileyen davranışsal faktörleri tespit etmektir. Araştırmanın verileri yüz yüze anket yöntemiyle TRB1 bölgesinde 400 kişilik katılım bankası yatırımcısından elde edilmiştir. Çalışmada katılma hesapları tutum ölçeği (TÖ), dindarlık ölçeği (DÖ) ve sübjektif normlar ölçeği (SNÖ) olmak üzere üç farklı ölçek kullanılmıştır. TÖ, SNÖ ve DÖ katılım bankalarının İslam dini kurallarına uymayan ürün veya hizmetleri uygulaması, rekabetçi olmayan getiriyi vermesi ve yakın gelecekteki bir bankacılık krizinin yaşanması durumunda yatırımcıların katılım bankalarından çekilme durumları arasındaki ilişki Mann Whitney U testiyle analiz edilmiştir. Analiz sonucunda katılım bankalarının İslam dini kurallarına uymayan ürün veya hizmetleri uygulaması durumuyla DÖ ve SNÖ arasında anlamlı bir ilişki bulunmuştur. Yakın gelecekte bankacılık krizinin yaşanması durumunda yatırımcıların katılım bankalarında çekilme durumları ile sadece SNÖ arasında anlamlı ilişki saptanmıştır. Son olarak katılım bankalarının rekabetçi olmayan getiri vermeleri durumu ile TÖ ve DÖ arasında anlamlı ilişki bulunmuştur. Ayrıca TÖ bağımlı değişken, SNÖ, DÖ, yaş, bakmakla yükümlü kişi sayısı, aylık ortalama gelir ve fiziksel sermaye bağımsız değişken olarak ele alınarak bir model kurulmuştur. Bu model çoklu regresyonla analiz edilmiştir. Yapılan analiz sonucunda DÖ ile SNÖ anlamlı olarak TÖ’yü pozitif olarak etkilediği tespit edilmiştir. Ancak Yaş, Bakmakla Yükümlü Olunan Kişi Sayısı, Aylık Ortalama Gelir ve Fiziksel Sermaye ile TÖ arasında anlamlı bir ilişki bulunmamıştır.

Keywords

Katılma Hesapları Tüketici Davranışı Katılım Bankacılığı Banka Yatırımcısı İslami Bankacılık TRB1 Bölgesi

References

  • Abduh, M. ve Omar, A.M. (2012), “Islamic-Bank selection criteria in Malaysia: An AHP approach”, Business Intelligence Journal, 5(2), 271-281.
  • Abdullah, S.N., Hassan, S.H.ve Asron, T.A. (2016), “Switching intention of Muslim depositors in Islamic deposit account”, International Journal of Economics, Management and Accounting, 24(1), 83-106.
  • Ajzen, I. (1985). From intentions to actions: A theory of planned behavior, in action control: From cognition to behavior, J. Kuhl and J. Beckman (eds.), Heidelberg, Germany: Springer, 11–39.
  • Al-Ajmi, J., Hussain, H.A. ve Al-Saleh, N. (2009), “Clients of conventional and Islamic banks in Bahrain: How they choose which bank to patronize”, International Journal of Social Economics, 36(11), 1086-1112.
  • Alam, S.S., Janor, H., Zanariah, W.C., Che, A. ve Ahsan M.N. (2012),“Religiosity an important factor in influencing the intention to undertake Islamic home financing in Klang Valley”. World Applied Sciences Journal, 19(7), 1030-1041.
  • Aras, O.N. ve Öztürk, M. (2011). “Reel ekonomiye katkıları bakımından katılım bankalarının kullandırdığı fonların analizi”, Ekonomi Bilimleri Dergisi, 3(2), 167–169.
  • Babuşçu, Ş. ve Hazar, A. (2017),“Genel bankacılık bilgileri”, Bankacılık Akademisi Yayınları, Ankara.
  • Bansal, H.S., ve S.F. Taylor. (1999),“The service provider switching model (SPSM): A model of consumer switching behaviour in the services industry”, Journal of Service Research 2(2), 200-218.
  • Bayındır, A. (2016), Ticaret ve Faiz, Süleymaniye Vakfı Yayınları, İstanbul.
  • Desbarats, J. (1983), “Spatial choice and constraints on behavior”, Annals of the Association of American Geographers, 73(3), 340-357.
  • Durak, İ., Bayat, M. ve Arslan, H.M. (2017), “Banka seçiminde müşteri tercihleri: katilim bankaları üzerine ampirik bir inceleme”, The Journal of Social Science, 1(2), 60-70.
  • Dusuki, A.W.veAbdullah, N.I. (2007),“Why do Malaysian Customers Patronise Islamic Banks”, International Journal of Bank Marketing, 25(3), 142-160.
  • Erol, C. ve El-Bdour, R. (1989),“Attitudes, behaviour, and patronage factors of bank customers towards Islamic banks”, International Journal of Bank Marketing, 7(6), 31-37.
  • Gerrard, P.ve Cunningham, J.B. (1997),“Islamic Banking: A Study in Singapore”, International Journal of Bank Marketing, 15(6), 204-216.
  • Gül, A.R. (2004),“Borç Ayetlerinin Aktüel Değeri Faizsiz Bankacılıkta Mevduat ve Fonların Statüsü Meselesine Kur’an Işığında Bir Yaklaşım”, Avrasya Yayınları, 1. Baskı, Ankara.
  • Haron, S., Norafifah, A. ve Planisek, S.L. (1994),“Bank patronage factors of Muslim and Non-Muslim customers”, International Journal of Bank Marketing, 12(1), 32-40.
  • Karakaya, A. ve Karamustafa, O. (2004),“Bankalarda teknoloji yoğun finansal ürünlerin kullanılmasında müşteri özelliklerinin rolü”, Active Bankacılık ve Finans Dergisi, 38, 1-6.
  • Kaynak, E. (1986),“How to Measure Your Bank’s Personality: Some Insights from Canada”, International Journal of Bank Marketing, 4(3), 54-68.
  • Lee, K. ve Ullah, S. (2011), “Customers'attitude toward İslâmic banking in Pakistan”, International Journal of Islâmic and Middle Eastern Finance and Management, 4(2), 131-145.
  • Lim, H. ve Dubinsky, A.J. (2005), “The theory of planned behavior in e-commerce: making a case for interdependencies between salient beliefs”, Psychology ve Marketing, 22(10), 833-855.
  • Marimuthu, M., Jing Chan, W., Gie, Lim P.P., Mun, L.P. ve Ping, T.Y.(2010), “Islamic Banking: Selection Criteria and Implications”, Global Journal of Human Social Science, 10(4:1), 52-62.
  • Metawa, S.A. ve Almossawi, M. (1998), “Banking Behaviour of Islamic Bank Customers: Perspectives and Implications”, International Journal of Bank Marketing, 16(7), 299-313.
  • Metwally, M. (1996), “Attitudes of Muslims towards Islamic Banks in a Dual-banking System”, American Journal of Islamic Finance, 6(1), 11-17.
  • Naser, K., Jamal, A. ve Al-Khatib, K. (1999), “Islamic banking: a study of customer satisfaction and preferences in Jordan”, International Journal of Bank Marketing, 17(3), 135-150.
  • Okumuş, H.Ş. (2005), “Interest Free Banking in Turkey: A study of customer satisfaction and selection criteria”, Journal of Economic Cooperation, 26(4),51-58.
  • Omer, H.S. (1992), The implication of Islamic beliefs and practice on Islamic financial institutions in the UK: Profit-Sharing and Risk. Edward Elgar, Cheltenham:PhD dissertation, Loughborough University, Loughborough.
  • Nadirov, O. (2018), Katılım (İslami) Bankaları ve Ticari Bankalarda Müşteri Tercihleri: Türkiye Üzerine Bir Araştırma, Hacettepe Üniversitesi, Sosyal Bilimler Enstitüsü, Yüksek Lisans Tezi, Ankara.
  • Özdamar, K. (2002), “Paket Programlar ile İstatistiksel Veri Analizi”, Eskişehir: Kaan Kitabevi.
  • Soma Abdul M., Primiana, I., Wiryono, S.K.ve Febrian, E. (2017), “Religiosity and Islamic banking product decision: Survey on employees of PT Telekomunikasi Indonesia”, Etikonomi, 16(1), 25-42.
  • Tatlı, H., Varol, A. ve Alakuştekin, A. (2017), “Katılım bankacılık hizmetlerinde tüketici tercihlerini etkileyen faktörler: Bingöl’de bir uygulama”, Sosyal ve Beşeri Bilimler Dergisi, 9(2), 65-80.
  • Viveritave Mohame, A. (2011),“Efficiency measurement and determinants of Indonesian bank efficiency, Paper to Academy of Financial Services, University of Indonesia and Bond University Australia”, https://academyfinancial.org/resources/Documents/Proceedings/2011/F1-Viverita-Ariff.pdf (12.02.2020).
There are 31 citations in total.

Details

Primary Language Turkish
Subjects Economics
Journal Section Research Article
Authors

Eren İşgör 0000-0002-4717-0627

Halim Tatlı 0000-0002-7940-0087

Publication Date December 25, 2020
Submission Date July 9, 2020
Acceptance Date December 11, 2020
Published in Issue Year 2020 Volume: 6 Issue: 2

Cite

APA İşgör, E., & Tatlı, H. (2020). BANKA YATIRIMCILARININ KATILMA HESAPLARI SEÇİMİNİ ETKİLEYEN DAVRANIŞSAL FAKTÖRLER: TRB1 BÖLGESİ ÖRNEĞİ. Giresun Üniversitesi İktisadi Ve İdari Bilimler Dergisi, 6(2), 184-216. https://doi.org/10.46849/guiibd.767088
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