The Effects of Risk Management Practices on Financial Performance: An Empirical Analysis on Islamic Banks

Suna Akten Çürük; Gülşah Şen Küçük; Mine Işık; Raif Parlakkaya

doi:10.52642/susbed.1221549

EN TR

Abstract

Keywords

Risk Yönetimi, Finansal Performans, İslami Bankalar, Panel Regresyon.

Abstract

Keywords

Risk Yönetimi, Finansal Performans, İslami Bankalar, Panel Regresyon.

The Effects of Risk Management Practices on Financial Performance: An Empirical Analysis on Islamic Banks

Abstract

Risk is an inevitable reality for financial institutions, and once it is known, the main activity to be done is an effective risk management.The purpose of this study is to empirically analyze the effects of risk management practices on financial performance in Islamic banks. This study examines the effect of risk management practices on the financial performances of three Islamic banks operating in Türkiye through regression analysis. The data set of the study consists of a panel data containing 180 observations in total. Return on equity and return on assets, which are used as indicators of banks' financial performance, are dependent variables of the model. The financial ratios used to represent risk management are the independent variables of the model. The findings reveal that leverage ratio and asset utilization ratio have statistically significant effects on the performance of Islamic banks. The results of the study support the findings and arguments in the established body of previous literature. The findings obtained within the scope of this study could be used as guidance for the banks in their financial risk management practices and they will shed light on the future studies.

Keywords

Risk Management, Financial Performance, Islamic Banks, Panel Regression.

Risk Yönetimi Uygulamalarının Finansal Performans Üzerindeki Etkisi: İslami Bankalarda Uygulamalı Bir Araştırma

Abstract

Risk, finansal kuruluşlar için kaçınılmaz bir gerçektir ve bir kez bilindiğinde yapılacak temel faaliyet, etkin bir risk yönetimidir. Bu çalışmanın amacı, İslami bankalarda risk yönetimi uygulamalarının finansal performans üzerindeki etkisini analiz etmektir. Bu çalışma, Türkiye'de faaliyet gösteren üç İslami bankanın risk yönetimi uygulamalarının finansal performansları üzerindeki etkisini regresyon analizi yoluyla incelemektedir. Çalışmanın veri seti, toplamda 180 gözlem içeren bir panel veriden oluşmaktadır. Bankaların finansal performansının göstergesi olarak kullanılan özkaynak karlılığı ve aktif karlılığı modelin bağımlı değişkenleridir. Risk yönetimini temsil etmek için kullanılan finansal oranlar, modelin bağımsız değişkenleridir. Bulgular, kaldıraç oranı ve aktif kullanım oranının İslami bankaların performansı üzerinde istatistiksel olarak anlamlı etkilere sahip olduğunu ortaya koymaktadır. Çalışmanın sonuçları, önceki literatürün yerleşik yapısındaki bulguları ve argümanları desteklemektedir. Elde edilen bulgular, bankaların finansal risk yönetimi uygulamalarında yol gösterici olarak kullanılabilir ve bundan sonraki çalışmalara ışık tutacaktır.

Keywords

Risk Yönetimi, Finansal Performans, İslami Bankalar, Panel Regresyon.

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Details

Primary Language

English

Subjects

Financial Markets and Institutions

Journal Section

Research Article

Authors

Suna Akten Çürük ^*
0000-0001-5887-4905
Türkiye

Gülşah Şen Küçük
0000-0001-7535-2308
Türkiye

Mine Işık
0000-0002-6363-7143
Türkiye

Raif Parlakkaya
0000-0002-0961-1970
Türkiye

Publication Date

August 31, 2023

Submission Date

December 31, 2022

Acceptance Date

July 4, 2023

Published in Issue

Year 2023 Number: 51

DOI

https://doi.org/10.52642/susbed.1221549

IZ

https://izlik.org/JA48XK24UY

APA

Akten Çürük, S., Şen Küçük, G., Işık, M., & Parlakkaya, R. (2023). The Effects of Risk Management Practices on Financial Performance: An Empirical Analysis on Islamic Banks. Selçuk Üniversitesi Sosyal Bilimler Enstitüsü Dergisi, 51, 18-33. https://doi.org/10.52642/susbed.1221549

AMA

1.Akten Çürük S, Şen Küçük G, Işık M, Parlakkaya R. The Effects of Risk Management Practices on Financial Performance: An Empirical Analysis on Islamic Banks. SUSBED. 2023;(51):18-33. doi:10.52642/susbed.1221549

Chicago

Akten Çürük, Suna, Gülşah Şen Küçük, Mine Işık, and Raif Parlakkaya. 2023. “The Effects of Risk Management Practices on Financial Performance: An Empirical Analysis on Islamic Banks”. Selçuk Üniversitesi Sosyal Bilimler Enstitüsü Dergisi, nos. 51: 18-33. https://doi.org/10.52642/susbed.1221549.

EndNote

Akten Çürük S, Şen Küçük G, Işık M, Parlakkaya R (August 1, 2023) The Effects of Risk Management Practices on Financial Performance: An Empirical Analysis on Islamic Banks. Selçuk Üniversitesi Sosyal Bilimler Enstitüsü Dergisi 51 18–33.

IEEE

[1]S. Akten Çürük, G. Şen Küçük, M. Işık, and R. Parlakkaya, “The Effects of Risk Management Practices on Financial Performance: An Empirical Analysis on Islamic Banks”, SUSBED, no. 51, pp. 18–33, Aug. 2023, doi: 10.52642/susbed.1221549.

ISNAD

Akten Çürük, Suna - Şen Küçük, Gülşah - Işık, Mine - Parlakkaya, Raif. “The Effects of Risk Management Practices on Financial Performance: An Empirical Analysis on Islamic Banks”. Selçuk Üniversitesi Sosyal Bilimler Enstitüsü Dergisi. 51 (August 1, 2023): 18-33. https://doi.org/10.52642/susbed.1221549.

JAMA

1.Akten Çürük S, Şen Küçük G, Işık M, Parlakkaya R. The Effects of Risk Management Practices on Financial Performance: An Empirical Analysis on Islamic Banks. SUSBED. 2023;:18–33.

MLA

Akten Çürük, Suna, et al. “The Effects of Risk Management Practices on Financial Performance: An Empirical Analysis on Islamic Banks”. Selçuk Üniversitesi Sosyal Bilimler Enstitüsü Dergisi, no. 51, Aug. 2023, pp. 18-33, doi:10.52642/susbed.1221549.

Vancouver

1.Suna Akten Çürük, Gülşah Şen Küçük, Mine Işık, Raif Parlakkaya. The Effects of Risk Management Practices on Financial Performance: An Empirical Analysis on Islamic Banks. SUSBED. 2023 Aug. 1;(51):18-33. doi:10.52642/susbed.1221549

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Abstract

Keywords

Abstract

Keywords

The Effects of Risk Management Practices on Financial Performance: An Empirical Analysis on Islamic Banks

Abstract

Keywords

Risk Yönetimi Uygulamalarının Finansal Performans Üzerindeki Etkisi: İslami Bankalarda Uygulamalı Bir Araştırma

Abstract

Keywords

References

Details

Primary Language

Subjects

Journal Section

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Publication Date

Submission Date

Acceptance Date

Published in Issue

DOI

IZ

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