İkili Bankacılık Sisteminde İslami Bankacılık ve Ekonomik Büyüme

Year 2021, Volume: 8 Issue: 1, 183 - 196, 15.01.2021

Taner Sekmen

https://doi.org/10.17541/optimum.821478

Cited By: 5

Abstract

Bu çalışma Türkiye’de İslami bankacılığın ekonomik büyüme üzerindeki etkilerini, geleneksel bankacılık ile karşılaştırarak belirlemeyi amaçlamaktadır. Bu çalışmada 2005Q4 ve 2018Q4 arası dönemi kapsayan çeyreklik verilerve Pesaran, Shin ve Smith (2001) tarafından geliştirilen Gecikmesi dağıtılmış Otoregresif Model (ARDL) kullanılmaktadır. ARDL modelinden elde edilen uzun dönem katsayı tahminlerine göre GSYH’nin geleneksel bankacılık kredilerine ve İslami bankacılık kredilerine göre esnekliği sırasıyla %0.106 ve %0.016’ya eşittir. Model tahminleri Türkiye’de geleneksel bankacılığın İslami bankacılığa göre ekonomik büyümeye daha fazla katkıda bulunduğunu onaylamaktadır. Ancak İslami bankacılık Türkiye’de hala finansal sistemin oldukça küçük bir parçasını oluşturmaktadır. Dolayısıyla daha fazla islami finansal aracın geliştirilmesi ve teşvik edilmesi, islami finansın finansal sistem içindeki payını artırırken islami finans ve ekonomik büyüme arasındaki ilişkiyi de güçlendirebilir.

Keywords

İslami Bankacılık, Finansal Gelişme, Ekonomik Büyüme, Türkiye

Islamic Banking and Economic Growth in the Dual Banking System

Abstract

This study aims to determine the effect of Islamic banking on economic growth in Turkey by comparing it with conventional banking. In the study, the quarterly time series covering the period 2005Q4 to 2018Q4 and the Autoregressive Distributed Lag Model (ARDL) developed by Pesaran, Shin and Smith (2001) are used. According to the estimated long-run coefficients from ARDL model, the elasticity of the GDP with respect to the conventional banking credit and Islamic banking credit is equal to 0.106 % and 0.016 %, respectively. The estimates of the model confirm that conventional banks provide more contribution than Islamic banks to economic growth in Turkey. However, Islamic banking has still a very small part of the financial system in Turkey.Therefore, the development and encouragementof more Islamic financial instruments can strengthen relationship between Islamic finance and economic growth while increasing the share of Islamic finance in the financial system.

Keywords

Islamic Banking, Financial Development, Economic Growth, Turkey

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