GELENEKSEL BANKALARIN KREDİLERİ KATILIM BANKALARININ KREDİLERİNİ DIŞLIYOR MU?

Abstract

Türkiye'de katılım bankalarının 1980’lerin ortalarından beri faaliyete başlaması ile beraber ikili bir bankacılık sistemi doğmuştur. Dolayısıyla iki tip bankacılık modelinin birbiriyle uyumlu mu yoksa rakip olarak mı çalıştığı, uygulanacak finansal politikalar açısından kritik öneme sahiptir. Bu çalışmanın amacı Türkiye’de geleneksel bankalardaki kredi artışlarının katılım bankalarını nasıl etkilediğini araştırmaktır. Çalışmada hem geleneksel hem de katılım bankalarının 01/2005 - 02/2022 dönemine ait aylık frekanstaki toplam kredi miktarları veri olarak kullanılmıştır. Basit regresyon analizi ile beraber Kalman filtre yöntemi model olarak tercih edilmiştir. Çalışmanın sonucu dönem dönem aşırı rekabet etseler de iki tür bankacılık modelinin finansal sisteme zarar vermeden faaliyet gösterdiğini kanıtlamıştır. Çalışmanın bulguları, geleneksel bankalar tarafından dağıtılan kredilerin katılım bankalarını kredi piyasasından dışlamadığını göstermektedir.

Keywords

• Konvansiyonel Bankacılık
• Kalman Filtre Yöntemi
• Katılım Bankacılığı

DO THE LOANS OF CONVENTIONAL BANKS CROWDING-OUT THE LOANS OF PARTICIPATION BANKS?

Abstract

A dual banking system has emerged in Turkey with the participation banks starting to operate since the mid-1980s. Therefore, it is important in terms of financial policies whether the two types of banking models are compatible or incompatible with each other. The aim of this study is to investigate how credits of conventional banks affect participation banks in the context of Turkey. Monthly observations of participation and conventional banks credit during the period between 01/2005 - 02/2022 are used in study. Kalman filter method with simple regression analysis was preferred as a model. The findings implied that the conventional banking model did not hinder participation banks in the credit market.

Keywords

• Participation Banking
• Conventional Banking
• Kalman Filter Method

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