Faizsiz Finansal Kuruluşlar Müşterilerine Adil Fiyatlar Sunuyor mu?

Year 2022, , 495 - 521, 29.07.2022

A. Mesut Uçar

https://doi.org/10.26650/JEPR1047547

Abstract

Bu çalışmada faizsiz finans kuruluşlarının finansman enstrümanlarının
tüketiciler nezdinde adil fiyatlı çözümler sağlamada ikilem oluşturup
oluşturmadığının gözlemlenmesi amaçlanmaktadır. Bunun yanı sıra
çalışma hem geleneksel hem de faizsiz bankalar tarafından sunulan
ve herkes için ulaşılabilir ve maliyetsiz finansman tekliflerine yönelikkarşılaştırmalı bir çerçeve sunmayı hedeflemektedir. Çalışmada adil tüketici davranışı teorisine bağlı olarak tüketici
davranışlarının tespit edilmesine yönelik 34 maddeden oluşan bir anket oluşturulmaktadır. Ölçeğin yapı geçerliliğini ve
güvenilirliğini test etmek için keşfedici faktör analizi ve cronbach alfa testleri kullanılmıştır. Bu testler sonucu değerler
dikkate alındığında 28 madde analize dahil edilmiştir. Ardından keşfedici faktör analizi sonucu belirlenen dört faktör
arasında Çoklu Regresyon Analizi yapıldı. Sonuç itibariyle adil tüketici davranışı teorisi için oluşturulan hipotezlerin geçerli
olduğu saptandı. Dolayısıyla faizli finans sistemine alternatif olarak işlemlerini yürüten faizsiz finans kuruluşlarının salt
faizsiz seçeneklere sahip oluşunun tüketicilerin adil finansal sistem algılarını cezbetmede yeterli olmadığı gözlemlendi.

Keywords

Tüketici davranışı, İslami bankacılık, davranışsal finans, keşfedici faktör analizi, İslami finans

Thanks

Teşekkür bölümünde yer alacak açıklama ve/veya isimler varsa lütfen belirtiniz: Bu makalenin yayımlanmasında gerek editöryel gerekse çeviri yönünden yardımlarını esirgemeyen Doç Dr. Murat USTAOĞLU’na sonsuz teşekkürlerimi sunarım.

Do Interest-Free Financial Organizations Offer Fair Prices to Their Customers?

Abstract

This study seeks to observe whether or not the financial instruments
offered by the interest-free financial institutions cause a dilemma in
generating fair prices for the consumers. Additionally, it also attempts
to provide a comparative framework towards cost-free and accessible
financial offers in terms of loaning by both conventional and participation
banks. As part of the study, a 34-item questionnaire has been drafted to
identify the consumer behaviors within the framework of a theory of
fair consumer behavior. To test the validity and reliability of the scale,
exploratory factor analysis and cronbach alfa tests were utilized. Based
on the findings in the test, 28 items were included in the analysis.
Subsequently, multiple regression analysis was performed between four
factors identified in conjunction with the exploratory factor analysis. The
results confirm the hypotheses offered for the theory of fair consumer
behavior. In other words, the study concludes that the interest-free
financial institutions, serving as alternatives to the interest-based financial
system, attract the fair financial system perceptions of the consumers
not just because they offer interest-free products and services, but also
because of additional factors.

Keywords

Consumer behavior, Islamic banking, behavioral finance, exploratory factor analysis, Islamic finance

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