Az Gelişmiş Ülkelerde İslami Bankacılığın Zorlukları: Afganistan Örneği

Abstract

Bu çalışma, Afganistan İslam Bankası örneği ile Afganistan'a odaklanarak az gelişmiş ülkelerde İslami bankacılığın zorluklarını araştırmaktadır. Çalışmada ele alınan örneklem, 1) İslami bankacılığın gelişmekte olan ve az gelişmiş ülkelerdeki etkilerini, 2) dinin ve İslami kavramın müşteri çekmekteki rolü ve 3) İslami bankacılık yoluyla müşteri kitlesini genişletme stratejileri hakkında bilgi edinme hedefleri takip edilerek incelenmektedir. Özel tam teşekküllü Afganistan İslam Bankası'nın 24 çalışanı ve yöneticilerinden oluşan bir örneklemden kendi geliştirdiği bir anket aracılığıyla veri toplanmıştır. İslami bankacılığın örnek olay incelemeleri ve başarı öyküleri incelendiğinde, İslami bankacılıkla ilgili yenilikçi pazarlama ve bilinçlendirme kampanyalarının daha fazla müşteri çekmede büyük önem taşıdığı tespit edilmiştir. Pazarlama stratejilerinin rafine edilmesi anket aracılığıyla doğrulanmıştır. İslami bankalar geleneksel bankacılıktan pazar payı elde etmek için din ve güven kavramları pazarlama argümanları olarak yeterli görünmediği için daha yenilikçi ürünlerle kendilerini farklılaştırabilirler. Bu çalışma, az ve fazla gelişmiş ülkelerdeki İslami bankalara, belirlenen zorluklarla başa çıkmak ve geleneksel bankalardan pazar payı kazanmak için çözümler getirebilir.

Keywords

• İslami bankacılık
• Zorluklar
• Pazarlama
• Az gelişmiş Ülkeler

Challenges of Islamic Banking in Least Developed Countries: The Case of Afghanistan

Abstract

This paper explores the challenges of Islamic banking in least developed countries, focusing on Afghanistan with the example of the Islamic Bank of Afghanistan, while pursuing the objectives of finding out about 1) the effects of Islamic banking in emerging and least developed countries, 2) the role of religion and Islamic concept to attract customers, and 3) the strategies to expand clientele through Islamic banking. A self-developed questionnaire was collected from a sample of 24 employees and managers of the exclusive fully-fledged Islamic Bank of Afghanistan. Examining case studies and success stories of Islamic banking, it has been found that innovative marketing and awareness campaigns about Islamic banking had significant importance in attracting more customers. Refining marketing strategies has been substantiated through the survey. In order to gain market share from conventional banking, Islamic banks could differentiate themselves with more innovative products because the concepts of religion and trust do not appear to be sufficient as marketing arguments. The paper may bring solutions to Islamic banks in least and more developed countries to deal with identified challenges and to gain market share from conventional banks.

Keywords

• Islamic Banking
• Challenges
• Marketing
• Least Developed countries

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