İslami Bankacılık Faaliyetlerine Yönelik Müşteri Algısı Üzerine Bir Araştırma

Abstract

Günümüzde gerek Türkiye’de gerekse tüm dünyada İslami finansa ilgi artmış olmasına rağmen, İslami bankacılık uygulamalarının yeterli bir gelişme göstermediği anlaşılmaktadır. Tasarrufların ekonomiye kazandırılmasında ve kaynak aktarım sürecinin hızlı ve etkili bir biçimde gerçekleştirilmesinde, İslami bankacılık önemli bir role sahiptir. Bu nedenle bankacılık hizmetlerinden yararlanan tarafların İslami bankacılık faaliyetlerine yönelik tutum ve davranışlarının tespit edilmesi, finansal sistemin gelişimi açısından gerekli olmaktadır. Bu çalışmada, mevcut ve potansiyel banka müşterilerinin İslami bankacılık faaliyetlerine yönelik müşteri algısı anket yöntemiyle belirlenmeye çalışılmıştır. Anket sonuçlarına göre, İslami bir banka ile çalışmayı tercih eden, etmeyen ve kararsız olan katılımcıların tüm sorulara vermiş oldukları cevaplar arasında anlamlı farklılıklar tespit edilmiştir. Geleneksel bankacılık sistemine alternatif olarak değerlendirilen İslami bankacılık faaliyetlerinin müşteriler tarafından yeterince bilinmediği ve potansiyel banka müşterilerinin İslami finans algısının çok zayıf olduğu anlaşılmaktadır

Keywords

• İslami Bankacılık, Katılım Bankacılığı, Müşteri Algısı, ANOVA, Tukey testi

A Study on Customer Perception towards the Islamic Banking Operations

Abstract

Nowadays although both in Turkey and all over the world interest in Islamic finance have increased, it is understood that Islamic banking practices have not demonstrated an adequate development. Contribute to the economy in the realization Islamic banking has an important role in carrying the process of savings regained into the economy and transfer of funds quickly and effectively. Therefore, it is necessary for the development of the financial system to determine the attitudes and behavior of the stakeholders who benefiting from banking services, towards Islamic banking activities. In this study, it was aimed to determine the customer perception of existing and potential bank customers for Islamic banking activities through survey method. According to survey results, there are significant differences between the answers of the participants those who prefer to work with an Islamic bank, those who does not and those who undecided were detected. The Islamic banking activities which is evaluated as an alternative to the traditional banking system is not well known by customers and it is understood that potential bank customers' perceptions of Islamic finance is very weak

Keywords

• Islamic Banking, Participation Banking, Customer Perception, ANOVA, Tukey test

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